1. La Nula Capacidad de Negociación del Individuo.
La crítica central a la idea de que los ciudadanos negocien directamente su seguro es el desequilibrio de poder inherente. Los individuos carecen de la influencia necesaria para obtener tarifas justas o planes adecuados frente a las gigantescas corporaciones de seguros, lo que convierte la promesa de "poder para el pueblo" en una burla.
- One person will not have buying power. The insurance companies will take advantage of folks.
- What a catastrophic mess that would be!! he wants us little people with no individual market power or leverage negotiating a policy with blue cross.
- Individuals have no power to negotiate healthcare costs. The gvt does - which is why every other major nation has a single payer healthcare system.
2. La Eficacia del Poder de Compra Colectivo.
Los comentaristas señalan que la única forma de contrarrestar la avaricia corporativa y reducir los costos es mediante la negociación en grupo, ya sea a través de programas gubernamentales como Medicare o mediante grandes grupos de compra. Este poder de compra masivo es visto como la herramienta esencial para asegurar tarifas más bajas y una mejor cobertura para todos.
- Govt negotiating the healthcare for millions has more negotiating power. Considering you called yourself the deal maker. Youve a fake potus deal maker.
- Just imagine the negotiating power of entire population of the united states. Now imagine we cut out the profit-seeking middle men that are the insurance companies. We could, as a nation, insure ourselves collectively.
- The government has bargaining power. The government can offer insurance companies a fraction of the going rate, and get it because theyre bringing along millions of policies. You and me? we dont have that power. We pay full price.
3. Consecuencias: Enriquecimiento de Aseguradoras y Pérdida de Protecciones.
La eliminación de la negociación colectiva y las protecciones existentes se percibe como un regalo directo a la industria de seguros. Esto resultaría en planes más caros, peores coberturas, el regreso de las denegaciones por condiciones preexistentes y, en última instancia, una mayor concentración de poder y ganancias para las aseguradoras.
- So, give to people to give to the big, fat, rich insurance companies for coverage that will be even more expensive once weve lost group bargaining power and the healthiest opt out - leaving those who need insurance the most to choose between skyrocketing rates and putting food on the table.
- This is a con this isnt healthcare. Its the dismantling of every protection americans rely on. It kills guaranteed coverage for pre-existing conditions, unleashes junk plans, guts standards, and leaves families alone in an unregulated market where insurers hold all the power.
- And without any bargaining power for individual consumers, you know who is going to get bigger and fatter? insurance companies. And who gets that money? his billionaire buddies.
4. La Solución Propuesta: Medicare para Todos.
Ante la ineficacia de la negociación individual y el riesgo de desmantelar las estructuras de protección, muchos argumentan que la única solución viable es un sistema de pagador único (single-payer) que maximice el poder de negociación del país entero, eliminando a los intermediarios con fines de lucro.
- I dearly and deeply hope no one faces unaffordable health care that would be life-saving or changing for them or family. Because no one as an individual has bargaining power. Aca isnt perfect but.
- Isnt this the argument for single payer universal healthcare? who would have better bargaining power when buying healthcare than one unified system on behalf of everyone?
- Medicare for all would be a great option to help small business owners but the big corporations would lose their power.