Look over there! Social Security!

Is all this talk to privatize Social Security just a smokescreen for health savings accounts?

Emboldened by their success at the polls, the Bush administration and Republican leaders in Congress believe they have a new opportunity to move the nation away from the system of employer-provided health insurance that has covered most working Americans for the last half-century.

In its place, they want to erect a system in which workers - instead of looking to employers for health insurance - would take personal responsibility for protecting themselves and their families: They would buy high-deductible "catastrophic" insurance policies to cover major medical needs, then pay routine costs with money set aside in tax-sheltered health savings accounts.

Elements of that approach have been on the conservative agenda for years, but what has suddenly put it on the fast track is GOP confidence that the political balance of power has changed.

With Democratic strength reduced, President Bush, Senate Majority Leader Bill Frist (R-Tenn.) and House Ways and Means Committee Chairman Bill Thomas (R-Bakersfield) are pushing for action.

Supporters of the new approach, who see it as part of Bush's "ownership society," say workers and their families would become more careful users of healthcare if they had to pay the bills. Also, they say, the lower premiums on high-deductible plans would make coverage affordable for the uninsured and for small businesses.

"My view is that this is absolutely the next big thing," said former House Speaker Newt Gingrich, whose consulting firm focuses on healthcare. "You are going to see a continued move to trying to get people involved in the process by owning their own health accounts."

Critics say the Republican approach is really an attempt to shift the risks, massive costs and knotty problems of healthcare from employers to individuals. And they say the GOP is moving forward with far less public attention or debate than have surrounded Bush's plans to overhaul Social Security.

Indeed, Bush's health insurance agenda is far more developed than his Social Security plans and is advancing at a rapid clip through a combination of actions by government, insurers, employers and individuals.

Because what we really need is people to be more "careful" in their healthcare use, right? Too many people are going to the doctors when they only think they may be sick, rather than waiting for the end stage cancer or their diabetes to go out of control.

People should not be afraid they can't afford health care. Surely there is a better way.

A high early deductible will only keep poor people away from doctors and preventive health care. Those who do go will be saddled with higher levels of debt (news on the report here). Frankly, there is nothing compassionate about these ideas at all.
As far as ownership, well:

"Healthcare isn't like buying a Chevrolet," [Rep. Pete] Stark (D-Hayward) added, disputing Bush's assertion that individual patients can be empowered to control costs. "You can go to Consumer Reports and read about the new Malibu, but if I asked you to describe a regimen of chemotherapy for someone who has colon cancer, you'd be out of gas.

"We are talking about highly technical services that 99% of the public doesn't even know how to spell the names of," he said. "Secondly, there is no uniformity within the medical community as to what services ought to be used. It's a 'by guess and by gosh' sort of practice."

Sound like something you want to own?

*UPDATE* More at The Talent Show:

So, let's sum up the GOP plan for medical overhaul that will be part of this "ownership society". First, they want to encourage employers to dump you from your existing insurance plan (and if you read the rest of the article, if doesn't sound like they need much convincing). Second, they want to force you into an expensive insurance plan that will only cover "catastrophic" medical procedures. Third, on top of the higher cost of your insurance policy, they want you start saving up any extra cash that you probably don't have lying around. Finally, the whole point here is to ease the financial burden on your employer, make you pay more for less coverage, and encourage you to seek medical help as rarely as possible.