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对制药产业而言,奥巴马医改无疑是一个巨大的利好消息。虽然制药行业必须支付额外的税款,但医改并没有限制定价,连某些议员主张的联邦医保对福利覆盖的处方药进行统一议价都没有提及,所以制药公司在定价上基本不受控制,这些税款很可能很快就转嫁到病人和付费方头上去了。医改为制药公司带来的3200万永久客户将为这个行业产生更多的利润,这是毫无疑问的。医改中还有种种其他对大制药公司十分有利的条款。因此,制药行业很早就开始支持奥巴马医改,并制作电视广告为医改进行宣传,医改的通过使他们终于又一次得偿所愿。
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对于医疗提供方,即医院和医生行业而言,3200万潜在客户也是一个利好消息。虽然,很多医院目前其实已经在为这部分人服务,只是他们由于没有医疗保险,很多时候医疗费用无法收回,医院需要靠政府补贴支付这部分成本。医改等于是把这部分暗补变为了明补,绕了一个弯,通过保险公司来支付。这部分人现在只有万不得已才寻求治疗,获得政府补贴的医疗保险之后,他们的医疗需求将得到释放,在减少拖延和由此引起的不必要的死亡之外,可以增加医院的病床使用率和医院的营运收入。从总体上看,医改对医院行业是有利的。对医生来说同样是如此,但是医生有另一个担心,就是医改法案里所包括的对联邦医保Part B医生诊疗服务费约20%的削减额度。这个削减额度已经存在了好几年,但年年由于医生的反对被国会推迟实施。但是国会这次没有同意医生在医改中取消这一削减的要求,因为如果同意,就会影响赤字估算。最可能发生的情况仍然是国会每年临时性推迟这一削减条款的实施,其财政空缺就由联邦赤字来支付。
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对于普通民众而言,奥巴马医改由于各人情况不同有着不同的影响。对于大多数享受雇主提供的医疗保险的中产阶级家庭,医改影响不大。由于法案规定家庭保险可以包括直到26周岁的子女,如果某个公司内这种情况多的话,会使保费略微有所上升。医改对于无雇主保险、无力购买保险,或有过高医疗风险遭到拒保的人士来说绝对是个好消息,前者有政府提供的补贴,后者则有政府和其他健康状况良好的投保人提供的双重补贴。这部分人是此次医改最大的受益者。对于高收入人群,医改对他们没有任何优惠,反而增加了税负。对原来享受联邦医保和医助福利的人群,医改的影响也不大。从这个角度来看,医改其实是联邦政府通过税收和可能的赤字,让高收入阶层补贴中低收入自行购买保险者和高医疗风险人口的一次财富再分配。
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奥巴马此次医疗改革基本解决了美国医疗保障的覆盖缺口问题,但是并没有真正触及医疗费用上涨过快的问题。相反,将3200多万人纳入医疗保障体系反而加剧了医疗费用上涨的势头,对庞大的联邦赤字和数十万亿计的联邦医保和养老金负担起到雪上加霜的效果。这是无法持续的。因此,从长远来看,美国将来必然会面对巨额医疗费用负担过重的危机,这将比扩大医疗保障覆盖更为艰难。因为扩大覆盖是花钱,而削减和抑制医疗费用是省钱,美国人和美国政府一直是善于花钱,不善于省钱的。削减开支在政治上也比较不得人心,一般政客避之唯恐不及,很难在国会通过。将来在如何应对持续增高的医疗费用上,各方必然将有一番更加激烈的角逐。
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奥巴马医改仅仅是为后面的这场角逐铺开了更大的战场。这场角逐将是对整个美国医疗体系和美国国内政治的真正考验。
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(1)Centers for Medicare and Medicaid Services,Office of the Actuary:National Health Expenditure Projections2008—2018,released in January,2009. All health expenditure statistics are from this source.
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(2)US Census Bureau,Oldest Baby Boomers Turn60!,January 3, 2006. http://www.census.gov/Press-Release/www/releases/archives/facts_for_features_special_editions/006105.html,accessed on Nov. 23, 2009.
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(3)US Census Bureau,Annual Estimates of the Resident Population by Sex and Selected Age Groups for the United States:April1,2000 to July1,2008(NC-EST2008—02),http://www.census.gov/popest/national/asrh/NC-EST2008—sa.html,accessed on Nov. 23,2009.
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(4)Christopher Chantrill,http://www.usgovernmentspending.com/index.php#usgs302a,accessed on Nov. 23, 2009.
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(5)David U. Himmelstein, Elizabeth Warren,Deborah Thorne & Steffie Woolhandler,Illness And Injury As Contributors To Bankruptcy,Health Affairs,February 2005.
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(6)US Census Bureau,Table59. Composition of consumer unit:Shares of annual aggregate expenditures and sources of income, Consumer Expenditure Survey,2008,http://www.bls.gov/cex/,accessed on Nov.,24,2009.
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(7)这是美国的一句俗语,原自20世纪40年代一个答题获奖秀,第一题1美元,后面每道题奖金翻倍,直到最后一题64美元。越到后面,奖金越高,题目越难。后来人们就用“这是道值64美元的题”指特别难的题,而且逐渐又在64后面加更多的位数。这里一语双关,既是说这个问题很难,同时你如果答对了,说不定真能为美国省640亿美元。
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(8)Congressional Budget Office,Technological Change and the Growth of Health Care Sending,January,2009.
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(9)Congressional Budget Office, Technological Change and the Growth of Health Care Spending, January, 2009.
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(10)CDC, Percentage of Civilian, Noninstitutionalized Population with Diagnosed Diabetes, by Age, United States, 1980—2006, http://www.cdc.gov/Diabetes/statistics/prev/national/figbyage.htm, accessed on Nov. 27, 2009.
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(11)(11a)American Diabetes Association, 2007 National Diabetes Fact Sheet, http://www. diabetes.org/diabetes-basics/diabetes-statistics/, accessed on Nov. 27, 2009.
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(12)CDC, Prevalence of overweight, obesity and extreme obesity among adults: United States, trends1976—80 through2005—2006, http://www.cdc.gov/nchs/data/hestat/overweight/overweight_adult.pdf, released in December 2008, accessed on Nov. 27, 2009.
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(13)US Census Bureau, Income, Poverty, and Health Insurance Coverage in the United States: 2008, release in September 2009. All statistics about the uninsured population are from this source.
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(14)Steven A. Camarota, Karen Jensenius, A Shifting Tide: Recent Trends in the Illegal Immigrant Population, Center for Immigration Studies, July 2009.
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(15)Jeffrey S. Passel, The Size and Characteristics of the Unauthorized Migrant Population in the U. S., Pew Hispanic Center, March 7, 2006.
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(16)John A. Hamilton, Medicine: Grave Crisis Over Rising Costs, The New York Times, October, 26, 1969.
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(17)Connecticut Economic Resource Center, Inc., Connecticut’s Insurance Industry: Economic Impacts & Contributions, December, 2006.
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(18)RealClearPolitics.com, Latest Polls—Massachusetts Senate—Special Election, http://www.realclearpolitics.com/epolls/2010/senate/ma/massachusetts_senate_special_election-1144.html, last accessed on Jan. 26, 2010. All poll numbers for this election are from this source.
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(19)Bureau of Labor Statistics, Household Data: Table A-12. Alternative measures of labor underutilization, http://www.bls.gov/news.release/empsit.t12.htm, lass accessed on Jan. 27, 2010.
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(20)Jason DeParle & Robert Gebeloff, “Food Stamp Use Soars and Stigma Fades”, The New York Times, 11/9/2009.
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