The current kerfuffle over the Affordable Care Act is generating all kinds of froth and misinformation in today's over-caffeinated, over-polarized political and media spaces. But at a deeper level, the principles at stake in health care and in planetary sustainability are connected.
The deeper issue in the ACA debate is this: do we see ourselves and behave as one people, or as a loose affiliation of individuals, in which most of us can pretend not to need or care about the others? The ACA seeks to get care to everyone and to ask everyone to pay in. There are too many Americans who need care and can't get it. My daughters are among them: both over 26 next year, both low-income, both with pre-existing conditions. Under the current system, they would get either no coverage or unaffordable coverage. Under the ACA, and in the Maryland health exchange, they will get fair coverage with subsidies to offset their low income status.
Most Americans have health insurance through their employers, and while they may complain about this and that, they are complacently content with the system. So naturally they don't like change, especially when the Fox News crowd keeps feeding misinformation about what the law really does. They are not inclined to entertain the idea that rates might go up, that their plans may change, and so on. But the deeper reality is that for Americans to act as one people, we need to stay with the ACA, fix the website, make adjustments here and there, but stay committed to providing health care to everyone.
There are, to be sure, deeper issues with health that the ACA doesn't and can't address. It can't address our addicted culture, where we run to the doctor for another pill every time we get anxious, can't sleep, have pain, etc. We need to refocus our health culture on self-responsibility, prevention, promoting wellness. We each need to look for ways to be healthy through our decisions about eating, exercise, and awareness.
Interesting, the ACA is already encouraging this. My employer is introducing Consumer-Directed Health Plans (CDHPs) next year; these have lower premiums, higher deductibles, and are connected to Health Savings Accounts (HSAs). I have selected a CDHP with a $2000 deductible, and my employer is contributing $2000 to my HSA. What that means is that the first $2000 of care next year is covered by my HSA--I give providers the HSA debit card, and don't have to play the claim-game with the insurance company. And I can add to the HSA with pre-tax savings to the level I can afford. I like this--less paperwork, more choice, and more awareness of what things cost and how I use my health dollars. And by the way, preventive care like checkups and cancer screenings are fully covered, no deductible. This is where we need to go to keep health care affordable and to make us responsible health care consumers.
So how does this connect to the more global sustainability issues? The nub of it is connectedness--do we see ourselves and behave as connected to the rest of the world, or not? When a storm like Haiyan, whose record intensity is likely due in part to climate change forcing, brings forth a global wave of compassion and action to bring aid, we see the best of human nature. But when the catastrophe is less dramatic, and takes a slower path, we don't act so connected. We don't see that record wildfires in Austrialia, chronic drought in the American Southwest, and creeping desertification in sub-Saharan Africa, are all symptoms of the same global challenge. We are less willing to take the policy and personal actions needed to get GHG emissions under control.
This century will test us, more and more. When increased storm severity, increased drought, increased flooding, begin to disrupt our economic and political systems, as they have already done in places like Darfur, we will be increasingly confronted by situations that we can't address by writing a check to the Red Cross. Refugee migrations, such as millions of Bangladeshis crossing into India or Burma, will create new, larger, and messier conflicts.
But we can choose now to keep such future calamities to a minimum. We can reform health care now to extend coverage to all Americans, as most of our industrialized partner nations do. We can enact climate and clean energy policies now, that put a price on dirty energy, moderate energy demand, and increase clean energy supplies. If we do this, and act as a connected, responsible people, we can manage the challenges this century is presenting. If not, we are in for a hard ride.
The deeper issue in the ACA debate is this: do we see ourselves and behave as one people, or as a loose affiliation of individuals, in which most of us can pretend not to need or care about the others? The ACA seeks to get care to everyone and to ask everyone to pay in. There are too many Americans who need care and can't get it. My daughters are among them: both over 26 next year, both low-income, both with pre-existing conditions. Under the current system, they would get either no coverage or unaffordable coverage. Under the ACA, and in the Maryland health exchange, they will get fair coverage with subsidies to offset their low income status.
Most Americans have health insurance through their employers, and while they may complain about this and that, they are complacently content with the system. So naturally they don't like change, especially when the Fox News crowd keeps feeding misinformation about what the law really does. They are not inclined to entertain the idea that rates might go up, that their plans may change, and so on. But the deeper reality is that for Americans to act as one people, we need to stay with the ACA, fix the website, make adjustments here and there, but stay committed to providing health care to everyone.
There are, to be sure, deeper issues with health that the ACA doesn't and can't address. It can't address our addicted culture, where we run to the doctor for another pill every time we get anxious, can't sleep, have pain, etc. We need to refocus our health culture on self-responsibility, prevention, promoting wellness. We each need to look for ways to be healthy through our decisions about eating, exercise, and awareness.
Interesting, the ACA is already encouraging this. My employer is introducing Consumer-Directed Health Plans (CDHPs) next year; these have lower premiums, higher deductibles, and are connected to Health Savings Accounts (HSAs). I have selected a CDHP with a $2000 deductible, and my employer is contributing $2000 to my HSA. What that means is that the first $2000 of care next year is covered by my HSA--I give providers the HSA debit card, and don't have to play the claim-game with the insurance company. And I can add to the HSA with pre-tax savings to the level I can afford. I like this--less paperwork, more choice, and more awareness of what things cost and how I use my health dollars. And by the way, preventive care like checkups and cancer screenings are fully covered, no deductible. This is where we need to go to keep health care affordable and to make us responsible health care consumers.
So how does this connect to the more global sustainability issues? The nub of it is connectedness--do we see ourselves and behave as connected to the rest of the world, or not? When a storm like Haiyan, whose record intensity is likely due in part to climate change forcing, brings forth a global wave of compassion and action to bring aid, we see the best of human nature. But when the catastrophe is less dramatic, and takes a slower path, we don't act so connected. We don't see that record wildfires in Austrialia, chronic drought in the American Southwest, and creeping desertification in sub-Saharan Africa, are all symptoms of the same global challenge. We are less willing to take the policy and personal actions needed to get GHG emissions under control.
This century will test us, more and more. When increased storm severity, increased drought, increased flooding, begin to disrupt our economic and political systems, as they have already done in places like Darfur, we will be increasingly confronted by situations that we can't address by writing a check to the Red Cross. Refugee migrations, such as millions of Bangladeshis crossing into India or Burma, will create new, larger, and messier conflicts.
But we can choose now to keep such future calamities to a minimum. We can reform health care now to extend coverage to all Americans, as most of our industrialized partner nations do. We can enact climate and clean energy policies now, that put a price on dirty energy, moderate energy demand, and increase clean energy supplies. If we do this, and act as a connected, responsible people, we can manage the challenges this century is presenting. If not, we are in for a hard ride.