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Public option for insurance would increase competition

Published: Tuesday, September 22, 2009

Updated: Tuesday, September 22, 2009 07:09

Molly

Molly McGuire

Mr. and Mrs. Johnson* are hard-working Americans who own a successful business. One day, Mrs. Johnson was using a box cutter and sliced her finger. Thinking nothing of this cut, she placed two butterfly Band-Aids over the cut and went on with her work. When she went home, her finger was still sore, yet without health care she did not have an option to have a doctor examine it.

Two days later her finger had swelled to twice its size, which forced her to go to the fire department to have her ring removed. By that evening, the swelling had spread to all her arm and the pain was unbearable, so she became one of 380 citizens who visit the local emergency room each day.

While she was at the emergency room, she found out that she had the beginning of a staph infection in her finger. Had she not been able to claim worker's compensation, her family would have lost all of its savings. This would mean her four sons and two daughters would not have been able to go to college; the family would have lost its business and its income.

Mrs. Johnson's story demonstrates a few key issues within the health care debate.

It is difficult to imagine that the Johnsons are the only family unable to purchase health care insurance. With a public option, this would help protect the hard-working business owners in America who are not able to afford a health care plan.

The number of uninsured people is even more concerning when you look at the number in Kansas. According to the most recent census, the number of uninsured Kansans has increased in the past seven years to 330,000. The census goes on to demonstrate that 13.4 percent of Kansans who are employed by larger business still do not have health care.

The Johnsons demonstrate that even a small medical problem can destroy the entire family's savings and fundamentally change their plans for the future. When a person does not have health care, even the smallest cut can be devastating.

The current health care system puts college graduates in danger, since most of their families' health insurance will drop their coverage once they are out of college. This seems particularly concerning in our economic situation, with hiring freezes around the country. This means that while our K-State graduates might be the most qualified in their field, they are still fairly unlikely to get a job where they will have adequate health care.

While the Republicans in Congress and pundits have argued that the public option will destroy the competition of private insurance, they are simply wrong. This competition between public and private industries will allow for the best insurance policy options.

This seems to be a win-win scenario for citizens and their insurance companies. Americans will win because they will have the best option of health care to choose from, and the insurance companies will win because they will become more productive and efficient which is crucial to ensuring that their business becomes the best in the field.

While we might not all agree on the health care reform debate and the best way to solve it, we can all agree that our system is not working and something needs to be done.

*The names in this story have been changed to protect identities.

-Molly McGuire is a sophomore in political science and speech and vice president of the Young Democrats. Please send comments to  opinion@spub.ksu.edu.

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6 comments

Kyle
Wed Sep 30 2009 13:58
Great article Molly. Keep on fighting for the good, and smart cause.
reasoned logic
Tue Sep 29 2009 21:26
Mrs. Johnson should have had a catastrophic insurance plan and then she wouldn't have had to worry. They can be had for less than your cable bill.
a-political
Wed Sep 23 2009 09:36
i'm not a republican and I think she is wrong.
Your name
Tue Sep 22 2009 23:29
oh man you're gonna get all the republicans angry.....they don't like it when you tell them they're wrong. Even though its true.Surprise nobody said socialist yet...just give it time....
Your name
Tue Sep 22 2009 19:27
Your premise that there is such a thing as a right to health care is false.
Mark
Tue Sep 22 2009 15:12
Molly, judging by the title of this article you might have done well to include how competition would increase. Especially after you wrote this:

"While the Republicans in Congress and pundits have argued that the public option will destroy the competition of private insurance, they are simply wrong. This competition between public and private industries will allow for the best insurance policy options."

How will competition increase? what will the public option do to private companies? I'll take a stab: If people have to pay taxes into a system, does that give them an incentive to purchase a private option? when they have already been forced to pay into a public plan? Probably not, because then they are paying for two plans. If because of losses in capital a private insurer has to raise rates to replenish their coffers, while the federal government just carries a HUGE deficit without the consequences of bankruptcy, which option will be weeded out? The government doesn't have to play by the rules of the free market, and the money they gain is had at the expense of private businesses that would need that business to stay viable. These are two reasons how Government programs destroy competition.

It is "simply wrong" to think you are going to convince anyone without defining the legitimacy of your premise.







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