Will Universal Health Care Save Money? Bernie Sanders on Insurance Companies (1993)

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Universal health care, sometimes referred to as universal health coverage, universal coverage, or universal care, usually refers to a health care system which provides health care and financial protection to all citizens of a particular country. It is organized around providing a specified package of benefits to all members of a society with the end goal of providing financial risk protection, improved access to health services, and improved health outcomes.[2] Universal health care is not a one-size-fits-all concept and does not imply coverage for all people for everything. Universal health care can be determined by three critical dimensions: who is covered, what services are covered, and how much of the cost is covered.

The health policy framework is of central importance. Thus, in the development of universal health systems, it is appropriate to recognize “healthy public policy” (Health in All Policies) as the overarching policy framework, with public health, primary health care, and community services as the cross-cutting framework for all health and health-related services operating across the spectrum from primary prevention to long term care and end-stage conditions. Although this perspective is both logical and well grounded in the social ecological model, the reality is different in most settings, and there is room for improvement everywhere.

https://en.wikipedia.org/wiki/Universal_health_care

Single-payer healthcare is a system in which the government, rather than private insurers, pays for all healthcare costs. Single-payer systems may contract for healthcare services from private organizations (as is the case in Canada) or may own and employ healthcare resources and personnel (as is the case in the United Kingdom). The term “single-payer” thus only describes the funding mechanism—referring to healthcare financed by a single public body from a single fund—and does not specify the type of delivery, or for whom doctors work. The actual funding of a “single payer” system comes from all or a portion of the covered population. Although the fund holder is usually the state, some forms of single-payer use a mixed public-private system.

A number of proposals have been made for a universal single-payer healthcare system in the United States, most recently the United States National Health Care Act, (popularly known as H.R. 676 or “Medicare for All”) but none have achieved more political support than 20% congressional co-sponsorship.

Advocates argue that preventive healthcare expenditures can save several hundreds of billions of dollars per year because publicly funded universal healthcare would benefit employers and consumers, that employers would benefit from a bigger pool of potential customers and that employers would likely pay less, would be spared administrative costs, and inequities between employers would be reduced. Advocates also argue that single payer could benefit employers by reducing costs, producing a more competitive labor market and reducing inequities between employers, producing a more fluid economy and increasing economic growth, aggregate demand, corporate profit, and quality of life. Also, for example, cancer patients are more likely to be diagnosed at Stage I where curative treatment is typically a few outpatient visits, instead of at Stage III or later in an emergency room where treatment can involve years of hospitalization and is often terminal.[31][32] Others have estimated a long-term savings amounting to 40% of all national health expenditures due to preventive health care,[33] although estimates from the Congressional Budget Office and The New England Journal of Medicine have found that preventive care is more expensive.

Any national system would be paid for in part through taxes replacing insurance premiums, but advocates also believe savings would be realized through preventive care and the elimination of insurance company overhead and hospital billing costs.[35] An analysis of a single-payer bill by Physicians for a National Health Program estimated the immediate savings at $350 billion per year.[36] The Commonwealth Fund believes that, if the United States adopted a universal health care system, the mortality rate would improve and the country would save approximately $570 billion a year.

Recent enactments of single-payer systems within individual states, such as in Vermont in 2011, are seen as possible routes to enacting single-payer on the federal level. In December 2014, Vermont cancelled its plan for single payer healthcare.

https://en.wikipedia.org/wiki/Single-payer_healthcare

Will Universal Health Care Save Money, Will Universal Health Care Save Money? Bernie Sanders on Insurance Companies (1993).

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