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Why are Americans so worked up about health care reform? Statements such as “don’t touch my Medicare” or “everyone should have access to state of the art health care irrespective of cost” are in my opinion uninformed and visceral responses that indicate a poor understanding of our health care system’s history, its current and future resources and the funding challenges that America faces going forward. While we all wonder how the health care system has reached what some refer to as a crisis stage. Let’s try to take some of the emotion out of the debate by briefly examining how health care in this country emerged and how that has formed our thinking and culture about health care. With that as a foundation let’s look at the pros and cons of the Obama administration health care reform proposals and let’s look at the concepts put forth by the Republicans?Access to state of the art health care services is something we can all agree would be a good thing for this country. Experiencing a serious illness is one of life’s major challenges and to face it without the means to pay for it is positively frightening. But as we shall see, once we know the facts, we will find that achieving this goal will not be easy without our individual contribution.These are the themes I will touch on to try to make some sense out of what is happening to American health care and the steps we can personally take to make things better.
A recent history of American health care – what has driven the costs so high?
Key elements of the Obama health care plan
The Republican view of health care – free market competition
Universal access to state of the art health care – a worthy goal but not easy to achieve
what can we do?
First, let’s get a little historical perspective on American health care. This is not intended to be an exhausted look into that history but it will give us an appreciation of how the health care system and our expectations for it developed. What drove costs higher and higher?To begin, let’s turn to the American civil war. In that war, dated tactics and the carnage inflicted by modern weapons of the era combined to cause ghastly results. Not generally known is that most of the deaths on both sides of that war were not the result of actual combat but to what happened after a battlefield wound was inflicted. To begin with, evacuation of the wounded moved at a snail’s pace and this caused severe delays in treating the wounded. Secondly, many wounds were subjected to wound care, related surgeries and/or amputations of the affected limbs and this often resulted in the onset of massive infection. So you might survive a battle wound only to die at the hands of medical care providers who although well-intentioned, their interventions were often quite lethal. High death tolls can also be ascribed to everyday sicknesses and diseases in a time when no antibiotics existed. In total something like 600,000 deaths occurred from all causes, over 2% of the U.S. population at the time!Let’s skip to the first half of the 20th century for some additional perspective and to bring us up to more modern times. After the civil war there were steady improvements in American medicine in both the understanding and treatment of certain diseases, new surgical techniques and in physician education and training. But for the most part the best that doctors could offer their patients was a “wait and see” approach. Medicine could handle bone fractures and increasingly attempt risky surgeries (now largely performed in sterile surgical environments) but medicines were not yet available to handle serious illnesses. The majority of deaths remained the result of untreatable conditions such as tuberculosis, pneumonia, scarlet fever and measles and/or related complications. Doctors were increasingly aware of heart and vascular conditions, and cancer but they had almost nothing with which to treat these conditions.This very basic review of American medical history helps us to understand that until quite recently (around the 1950′s) we had virtually no technologies with which to treat serious or even minor ailments. Here is a critical point we need to understand; “nothing to treat you with means that visits to the doctor if at all were relegated to emergencies so in such a scenario costs are curtailed. The simple fact is that there was little for doctors to offer and therefore virtually nothing to drive health care spending. A second factor holding down costs was that medical treatments that were provided were paid for out-of-pocket, meaning by way of an individuals personal resources. There was no such thing as health insurance and certainly not health insurance paid by an employer. Except for the very destitute who were lucky to find their way into a charity hospital, health care costs were the responsibility of the individual.What does health care insurance have to do with health care costs? Its impact on health care costs has been, and remains to this day, absolutely enormous. When health insurance for individuals and families emerged as a means for corporations to escape wage freezes and to attract and retain employees after World War II, almost overnight a great pool of money became available to pay for health care. Money, as a result of the availability of billions of dollars from health insurance pools, encouraged an innovative America to increase medical research efforts. More Americans became insured not only through private, employer sponsored health insurance but through increased government funding that created Medicare and Medicaid (1965). In addition funding became available for expanded veterans health care benefits. Finding a cure for almost anything has consequently become very lucrative. This is also the primary reason for the vast array of treatments we have available today.I do not wish to convey that medical innovations are a bad thing. Think of the tens of millions of lives that have been saved, extended, enhanced and made more productive as a result. But with a funding source grown to its current magnitude (hundreds of billions of dollars annually) upward pressure on health care costs are inevitable. Doctor’s offer and most of us demand and get access to the latest available health care technology in the form of pharmaceuticals, medical devices, diagnostic tools and surgical procedures. So the result is that there is more health care to spend our money on and until very recently most of us were insured and the costs were largely covered by a third-party (government, employers). Add an insatiable and unrealistic public demand for access and treatment and we have the “perfect storm” for higher and higher health care costs. And by and large the storm is only intensifying.At this point, let’s turn to the key questions that will lead us into a review and hopefully a better understanding of the health care reform proposals in the news today. Is the current trajectory of U.S. health care spending sustainable? Can America maintain its world competitiveness when 16%, heading for 20% of our gross national product is being spent on health care? What are the other industrialized countries spending on health care and is it even close to these numbers? When we add politics and an election year to the debate, information to help us answer these questions become critical. We need to spend some effort in understanding health care and sorting out how we think about it. Properly armed we can more intelligently determine whether certain health care proposals might solve or worsen some of these problems. What can be done about the challenges? How can we as individuals contribute to the solutions?The Obama health care plan is complex for sure – I have never seen a health care plan that isn’t. But through a variety of programs his plan attempts to deal with a) increasing the number of American that are covered by adequate insurance (almost 50 million are not), and b) managing costs in such a manner that quality and our access to health care is not adversely affected. Republicans seek to achieve these same basic and broad goals, but their approach is proposed as being more market driven than government driven. Let’s look at what the Obama plan does to accomplish the two objectives above. Remember, by the way, that his plan was passed by congress, and begins to seriously kick-in starting in 2014. So this is the direction we are currently taking as we attempt to reform health care.
Through insurance exchanges and an expansion of Medicaid,the Obama plan dramatically expands the number of Americans that will be covered by health insurance.
To cover the cost of this expansion the plan requires everyone to have health insurance with a penalty to be paid if we don’t comply. It will purportedly send money to the states to cover those individuals added to state-based Medicaid programs.
To cover the added costs there were a number of new taxes introduced, one being a 2.5% tax on new medical technologies and another increases taxes on interest and dividend income for wealthier Americans.
The Obama plan also uses concepts such as evidence-based medicine, accountable care organizations, comparative effectiveness research and reduced reimbursement to health care providers (doctors and hospitals) to control costs.The insurance mandate covered by points 1 and 2 above is a worthy goal and most industrialized countries outside of the U.S. provide “free” (paid for by rather high individual and corporate taxes) health care to most if not all of their citizens. It is important to note, however, that there are a number of restrictions for which many Americans would be culturally unprepared. Here is the primary controversial aspect of the Obama plan, the insurance mandate. The U.S. Supreme Court recently decided to hear arguments as to the constitutionality of the health insurance mandate as a result of a petition by 26 states attorney’s general that congress exceeded its authority under the commerce clause of the U.S. constitution by passing this element of the plan. The problem is that if the Supreme Court should rule against the mandate, it is generally believed that the Obama plan as we know it is doomed. This is because its major goal of providing health insurance to all would be severely limited if not terminated altogether by such a decision.As you would guess, the taxes covered by point 3 above are rather unpopular with those entities and individuals that have to pay them. Medical device companies, pharmaceutical companies, hospitals, doctors and insurance companies all had to “give up” something that would either create new revenue or would reduce costs within their spheres of control. As an example, Stryker Corporation, a large medical device company, recently announced at least a 1,000 employee reduction in part to cover these new fees. This is being experienced by other medical device companies and pharmaceutical companies as well. The reduction in good paying jobs in these sectors and in the hospital sector may rise as former cost structures will have to be dealt with in order to accommodate the reduced rate of reimbursement to hospitals. Over the next ten years some estimates put the cost reductions to hospitals and physicians at half a trillion dollars and this will flow directly to and affect the companies that supply hospitals and doctors with the latest medical technologies. None of this is to say that efficiencies will not be realized by these changes or that other jobs will in turn be created but this will represent painful change for a while. It helps us to understand that health care reform does have an effect both positive and negative.Finally, the Obama plan seeks to change the way medical decisions are made. While clinical and basic research underpins almost everything done in medicine today, doctors are creatures of habit like the rest of us and their training and day-to-day experiences dictate to a great extent how they go about diagnosing and treating our conditions. Enter the concept of evidence-based medicine and comparative effectiveness research. Both of these seek to develop and utilize data bases from electronic health records and other sources to give better and more timely information and feedback to physicians as to the outcomes and costs of the treatments they are providing. There is great waste in health care today, estimated at perhaps a third of an over 2 trillion dollar health care spend annually. Imagine the savings that are possible from a reduction in unnecessary test and procedures that do not compare favorably with health care interventions that are better documented as effective. Now the Republicans and others don’t generally like these ideas as they tend to characterize them as “big government control” of your and my health care. But to be fair, regardless of their political persuasions, most people who understand health care at all, know that better data for the purposes described above will be crucial to getting health care efficiencies, patient safety and costs headed in the right direction.A brief review of how Republicans and more conservative individuals think about health care reform. I believe they would agree that costs must come under control and that more, not fewer Americans should have access to health care regardless of their ability to pay. But the main difference is that these folks see market forces and competition as the way to creating the cost reductions and efficiencies we need. There are a number of ideas with regard to driving more competition among health insurance companies and health care providers (doctors and hospitals) so that the consumer would begin to drive cost down by the choices we make. This works in many sectors of our economy but this formula has shown that improvements are illusive when applied to health care. Primarily the problem is that health care choices are difficult even for those who understand it and are connected. The general population, however, is not so informed and besides we have all been brought up to “go to the doctor” when we feel it is necessary and we also have a cultural heritage that has engendered within most of us the feeling that health care is something that is just there and there really isn’t any reason not to access it for whatever the reason and worse we all feel that there is nothing we can do to affect its costs to insure its availability to those with serious problems.OK, this article was not intended to be an exhaustive study as I needed to keep it short in an attempt to hold my audience’s attention and to leave some room for discussing what we can do contribute mightily to solving some of the problems. First we must understand that the dollars available for health care are not limitless. Any changes that are put in place to provide better insurance coverage and access to care will cost more. And somehow we have to find the revenues to pay for these changes. At the same time we have to pay less for medical treatments and procedures and do something to restrict the availability of unproven or poorly documented treatments as we are the highest cost health care system in the world and don’t necessarily have the best results in terms of longevity or avoiding chronic diseases much earlier than necessary.I believe that we need a revolutionary change in the way we think about health care, its availability, its costs and who pays for it. And if you think I am about to say we should arbitrarily and drastically reduce spending on health care you would be wrong. Here it is fellow citizens – health care spending needs to be preserved and protected for those who need it. And to free up these dollars those of us who don’t need it or can delay it or avoid it need to act. First, we need to convince our politicians that this country needs sustained public education with regard to the value of preventive health strategies. This should be a top priority and it has worked to reduce the number of U.S. smokers for example. If prevention were to take hold, it is reasonable to assume that those needing health care for the myriad of life style engendered chronic diseases would decrease dramatically. Millions of Americans are experiencing these diseases far earlier than in decades past and much of this is due to poor life style choices. This change alone would free up plenty of money to handle the health care costs of those in dire need of treatment, whether due to an acute emergency or chronic condition.Let’s go deeper on the first issue. Most of us refuse do something about implementing basic wellness strategies into our daily lives. We don’t exercise but we offer a lot of excuses. We don’t eat right but we offer a lot of excuses. We smoke and/or we drink alcohol to excess and we offer a lot of excuses as to why we can’t do anything about managing these known to be destructive personal health habits. We don’t take advantage of preventive health check-ups that look at blood pressure, cholesterol readings and body weight but we offer a lot of excuses. In short we neglect these things and the result is that we succumb much earlier than necessary to chronic diseases like heart problems, diabetes and high blood pressure. We wind up accessing doctors for these and more routine matters because “health care is there” and somehow we think we have no responsibility for reducing our demand on it.It is difficult for us to listen to these truths but easy to blame the sick. Maybe they should take better care of themselves! Well, that might be true or maybe they have a genetic condition and they have become among the unfortunate through absolutely no fault of their own. But the point is that you and I can implement personalized preventive disease measures as a way of dramatically improving health care access for others while reducing its costs. It is far better to be productive by doing something we can control then shifting the blame.There are a huge number of free web sites available that can steer us to a more healthful life style. A soon as you can, “Google” “preventive health care strategies”, look up your local hospital’s web site and you will find more than enough help to get you started. Finally, there is a lot to think about here and I have tried to outline the challenges but also the very powerful effect we could have on preserving the best of America’s health care system now and into the future. I am anxious to hear from you and until then – take charge and increase your chances for good health while making sure that health care is there when we need it.

Not every online business strategy works for every business. Unfortunately, many Solopreneurs will continue to force themselves into one standard. Don’t let that be you. Learn some PROVEN tactics to help you avoid these common pitfalls of assumptions and set your brand up for profitable success.With over 4 Billion+ active online businesses, and all of them fighting for attention, the Internet has made it possible for companies of various sizes to compete on a level playing field of sorts. The main issue remains that most of these companies are unsure how to gain the buying attention of potential clients for their products or services. Creating a Power Crew will be essential to your success as a Solopreneur because you will have to trust someone to help you handle day-to-day tasks. Check out these 10 common assumptions made in online business that you should avoid in order to have a successful head start.

Skimming on Investing. There is a large difference between spending smart and just being cheap. The Cheap Comes Out Expensive (“Lo Barato Sale Caro” – Judge Marilyn Milian). Reciprocity goes a very long way and helps you build a secure and trusted network. Everyone wants a deal when spending their hard earn money. Most business people have heard the saying, “you have to spend money to make money.” Actually when you take your brand seriously enough to invest in it, be it time or money, you will ensure that everyone on your Power Crew is properly compensated. This could be financially or through barter systems. Either way, you should be willing to give as much or more than you take from others.

Remaining Blissfully Ignorant. Are you leaving clients under-serviced because you refuse to explore new opportunities and creative possibilities? Put some investigative action behind your motives. Ask your Virtual or In-House Assistant to check out some new avenues. Hire someone to manage these new avenues for you and add them to your Power Crew. They would usually be focused on these tasks for at least 5 hours a week; 1 hour a day. Ignorance is not bliss, especially in business. there are too many opportunities out there for Solopreneurs to get on track and dominate some corner of their market.

Financing Blindly Without Reason. How can you properly guide your brand into financial success or at the very least avoid bankruptcy if you cannot track how much money is flowing throughout your business? If you are shocked at the amount of money you have spent over a one-year span, are constantly hunting down all of your expenses at tax time, and/or are always living in the red then you’re doing everything all wrong. Don’t become accepting of your business being a financial burden on you. You should have a budget in place to help you remain on track. Remember, you started this for FREEDOM not to trade on pair of frustration created shackles for another.

Maintenance Is An Option. I see many clients who believe that paying someone to manage their website is a waste of time, yet these are the same people who’s websites are constantly outdated behind the scenes and left vulnerable. Your carelessness is a hackers dream key to your Information Buffet. So much of these items can and should be automated, but you have to remain vigilant in protecting your online business. If you are collecting customer information, there is no room to be casual about Website Security and Maintenance.

Keeping Up with the Joneses. Doing all you can to follow what the crowd is doing rather than taking stock in what will work for your brand is ultimately a waste of time for you. This is not to say that watching your competition and friendly peers cannot be a learning experience. you simply have to learn to take the learning knowledge and map out your own destiny.

Online Businesses Don’t Need A Budget. As an extension of financing your business blindly, you need to realize that just because you have an online business, you are not exempt from having a budget. many believe that because they don’t have the rent of a brick-and-mortar establishment, they are free to spend wildly. That is not the case. Your “rent” is your hosting provider, your domain name, and your SSL Certificate. Your “utilities” are your financial manager (accountant/apps), email automation services, payroll, and anything else that helps you run your business. You MUST track these and be sure that you are not using up all of your resources without turning some type of profit to pay the rent or mortgage AND put food on your table.

Disconnected from Reality of Running A Business. Remain grounded and connected to the roots of your business so that you are aware of what is happening and are ready to rework any strategies accordingly. Even when people consider themselves “successful” they know there is continuous work involved in maintaining the level of success they enjoy or want to excel to. Taking into account everything we’ve discussed, these pieces all come together to help you face, head-on, the realities of running a business.

Blaming Others for Your Failures. The Blame game is a waste of time. Don’t allow Accountability to become some passive catchphrase in your business. Live up to how you would want clients and another business to treat you. If you or your brand fell short or messed up, take that as an opportunity to improve and get back on track. Ask for feedback. Failure is not a bad thing if you don’t allow it to become a stumbling block or a crutch. Boss up and take responsibility while showing others working with you that they need to do they same. Showing is way better than Telling!

Being Online Is An Automatic Success. No online business is an automatic success and anyone who tells you different is lying to you. I thought that once my website was up and running I would be set. Well, not exactly set, but the bulk of my work would be complete. I was so wrong and didn’t even realize how wrong I was. I had to become a quick study on e-marketing, copywriting, and product creation to really get my business going. Not an expert, but I had to get my rump in gear fast so that I could manage just enough to get things where I wanted them to be. Automation can make things easier for you, but without you putting ACTION behind the KNOWLEDGE you collect, your brand is dead in the water.

Misinformation. Stay as informed as possible. “He said, She said” doesn’t work when you need to share information with your Power Crew and customers. Never allow yourself to miss out on innovative moves occurring within your industry, or in other industries. If an app or software was not compatible of your business in 2011, check back and see if things have changed. If you didn’t think Twitter, Pinterest, or Instagram were a good fit for your business and your customers would not be interested in a company blog, rethink these moves. Try things out. You may be surprised at the results and new information that flows in from these various options.
Boss UpOnce you have figured out what causes your business to thrive like a well watered plant, you’ll begin to reap the benefits of a profitable business and brand overall. I think of my business as a well-watered plant because there is energy tied to it. It needs my care in order to survive. My emotions affect my business and I need to maintain them both.Clients want to know that you, as a business owner, care enough to pay attention to small details while maintaining the overall picture of success.The RundownPut your all into your business. After all, most of us are not here for a one-night stand. Instead, we’re in it to win it! So get yourself out there and arm your brand against these 10 common assumptions most Solopreneurs make in online business.To Your Continued Success & Learning!

If you’re like most people, you’ve at one point or another given some thought to the idea of running your own home based business. Just imagine, firing your boss, working in your PJs, having the time and financial freedom to do what you want, when you want.But then reality hits. What are the odds that it could work out? How would you find the time to start a business? Wouldn’t it be outrageously expensive? And with so many choices, how would you ever find the perfect business opportunity without being taken advantage of? So you continue with the status quo, trading hours for money, dreaming of a better life.Sound familiar? Do you know that the definition of insanity is to continue to repeatedly do the same thing, expecting different results? Not that you’re insane. It’s just that our parents, schools, and culture taught most of us to go to school, work hard, get a good job, and live happily ever after. Unfortunately, this isn’t working out so well for many of us.If you’re ready to take control of your future and create a life by design rather than by chance, I have good news for you. There’s an affordable way for you to own a home based business that doesn’t involve buying inventory, doing home parties, or selling high priced goods that your family and friends can get at a discount store at an affordable price. Believe me, I’ve spent many years searching for a work from home opportunity and was fortunate enough to stumble upon a rather unique concept; that of owning an online travel agency.You may ask, so what’s different about travel? For starters, there’s no inventory. No products for you to buy and keep in a corner of your garage. In fact, an online travel agent has no mandatory costs, other than a startup fee and website hosting fees. There are many companies offering online travel agencies for sale, and the price tags vary astoundingly across the board. If you choose to look into this type of business don’t get discouraged by startup costs. There are excellent, highly respected businesses for sale that are affordable!How about product price? As an online travel agent you’re offering services (travel) that are comparatively priced with other online travel agencies. How’s that compare to the ultra expensive vitamins you could be selling? Your family and friends may not buy what they consider to be overpriced vitamins from you, but what if you could offer them travel at a price that’s competitive with other travel agencies?Which leads me to the issue of desirability. Sticking with the example of vitamins, would you say that most people you know have a strong desire to spend their money on vitamins? Unless you have very health conscious friends, the answer to this is probably no. How about travel? Do most of the people you know have a strong desire to travel? As an online travel agent you’ll be selling recess, while others are selling geography!Have you thought about starting a home based business, but been worried that it would require too much of your time? Let’s face it, most of us can’t quit our day jobs to pursue dreams of making it on our own in the first month or so. I’ve found that an online travel business doesn’t demand a lot of time, and can be run in the nooks and crannies of your day. This is a turnkey business in that you won’t need to spend time building a booking website, reserving travel for others, or tracking purchases. You’ll receive a fully functional booking site along with customer support and tracking, and your customers book their own travel from you, just as they would from any other online booking site. Your main job is to point others to your website. This can be done simply by handing business cards to family, friends, co-workers, etc., and asking them to bookmark your site and compare your prices the next time they’re planning a trip. No hard selling involved!Naturally, you can build your business more aggressively and quickly if you’d like. As an online travel agent you’ll have opportunities to make more money more quickly if you’re able to dedicate 5 to 10 hours per week to your business. Some possibilities include booking and marketing group travel, specializing in honeymoon registries, or obtaining corporate travel accounts. If you choose to investigate companies that sell online travel agencies, be sure to look for those that offer this type of niche marketing, and that provide training on these specialties.What about the economy? Actually, the travel industry is booming, and is expected to almost double over the next 10 years. Let’s face it, in a struggling economy many of us will forgo that expensive latte every day before work, or possibly brown bag it instead of buying lunch every day. But we work our butts off all year for that one little stretch of time that we call vacation. Quality time spent with our loved ones, relaxing and enjoying whatever it is we most enjoy. This is the one precious reward that we look forward to all year and unless things are drastically bad, we’ll make sure that we don’t lose this glorious respite.You may be thinking, this sounds pretty good. Well, it gets even better! Home businesses offer incredible tax savings. In fact the tax laws were written years ago with the intention of rewarding business owners, and this is the one best legal method of keeping more of your hard earned money in your own pockets.Ordinary home expenses such as Internet charges, mileage expenses, cell phones, etc. can become tax deductions to those who own home based businesses. Cool, huh? Well, as an online travel agent, you’ll be entitled to the customary tax deductions, in addition to deductions on personal travel. This is a way to turn your vacations into paycations! The logic here is simple. Every time you travel you gain an experience that you can share with potential clients. Great resort, great recommendation. Lousy service, poor recommendation. Each vacation you take makes you more capable of selling vacations to others. Does it get any better than that?Actually, yes! Online travel agents benefit from great travel industry perks, including low cost FAM trips, commissions paid on personal travel, and occasional free upgrades.If this concept sounds fun, lucrative, and inviting, you have two choices. The first, taken by most, is to think about how cool this could be, then go about your normal routine, unable to find the time to investigate. The second is to get on the computer and start researching possibilities. Personally, I went for option number two, and am ecstatic about the great choice I made!