Americans spend more on health care every year than we do educating our children, building roads, even feeding ourselves—an estimated $2.6 trillion in 2009, or around $8,300 per person. Forty-five million Americans have no health insurance whatsoever. These staggering figures are at the heart of the current debate over health care reform: the need to control costs while providing coverage for all. As John Lumpkin, M.D., M.P.H., director of the Health Care Group for the Robert Wood Johnson Foundation, says, “There is enough evidence that it is now time to do something and to do the right thing.” The key is to focus on the facts—and to dispel, once and for all, the myths that block our progress.

Myth 1: “Health reform won’t benefit people like me, who have insurance.”
Just because you have health insurance today doesn’t mean you’ll have it tomorrow. According to the National Coalition on Healthcare, nearly 266,000 companies dropped their employees’ health care coverage from 2000 to 2005. “People with insurance have a tremendous stake, because their insurance is at risk,” says Judy Feder, a professor of public policy at Georgetown University and a senior fellow at the Center for American Progress, a Washington, D.C.-based think tank. What’s more, in recent years the average employee health insurance premium rose nearly eight times faster than income. “Everyone is paying for health increases in some way, and it’s unsustainable for everyone,” says Stephanie Cathcart, spokesperson for the National Federation of Independent Business (NFIB). “Reform will benefit everyone as long as it addresses costs.”

“There are many ways to tackle our health care problem, but we will come up with a uniquely American solution.”

Myth 2: “The boomers will bankrupt Medicare.”
If you’re looking to blame the rise in health care costs on an aging population, you’ll have to look elsewhere. The growing ranks of the elderly are projected to account for just 0.4 percent of the future growth in health care costs, says Paul Ginsburg, president of the Center for Studying Health System Change. So why are health care costs skyrocketing? Ginsburg and others point to all those fancy medical technologies we now rely on (think MRIs and CT scans), as well as our fee-for-service payment system, in which doctors are paid by how many patients they see and how many treatments they prescribe, rather than by the quality of care they provide. Some experts say this fee-for-service payment system encourages overtreatment (see “Why Does Health Care Cost So Much?” from the July-August 2008 issue of AARP The Magazine).

Myth 3: “Reforming our health care system will cost us more.”
Think of health care reform as if it’s an Energy Star appliance. Yes, it costs more to replace your old energy-guzzling refrigerator with a new one, but over time the savings can be substantial. The Commonwealth Fund, a New York City-based foundation that supports research on health care practice and policy, estimates that health care reform will cost roughly $600 billion to implement but by 2020 could save us approximately $3 trillion.

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