OK, how are you planning for Alzheimers?
Now I have a little time to answer this.
A generic "a chicken in every pot" insurance fix is short sighted. What we need is targeted reform from the ground up. I'll hammer this point once more. All of medicine comes down to the quality of the patient/provider relationship. That's it. Everything that happens works for or against that.
Some will say that all we need to know has been learned. Not in the context of real reform. A study about this and one about that... not sufficient, because it's a complex system, probably the most complicated on the planet there's a whole lot of feedback. I have yet to see one politician or partisan who seems to get that. We practitioners do because we work with it every day.
What we need to do is have a clear goal besides "well just give it to everybody", because what is "it" and what does "it" really mean and do? Does it pay for every ill in every circumstance? Is the government going to pay millions a week to keep people alive for the last couple weeks of their lives? No, "just do it and not pay people" isn't going to work because the kind of talent needed is not commonplace. It requires a substantial portion of one's life to attain and superior intelligence and emotional tenacity to do right. That automatically means that human resources are going to be scarce and that means not cheap. So how much for a life? Does a 10 year old deserve more resources than a 90 year old? Who tells you that your wife's condition has exceeded her worth? In a world of limited resources there will be "death panels". No, not that absurd Palin concept, but someone or some metric which will apply. It's unavoidable. We haven't had a public discussion on this issue and we're "reforming" the system, which means pass the buck.
Understand that Alzheimers will cost what it costs, that diabetes will costs what it costs- same for all illnesses. As the population ages it automatically increases demand for time, attention and treatment. That means $$$$$$$$$$. Only a fool would say "if costs go up". That's like jumping off a cliff and hoping that some UFO beams you aboard before you hit. You will smash to the bottom. Gravity is merciless, and so is time and aging.
Yet how much will all this really cost? Not some estimate of carefully constructed parameters to have the CBO say something complimentary about a political party, but in fact? No one really knows what the TCO of universal coverage over X decades will be, but we'd better figure it out. What's the best way to maximize the utilization of current resourses? Where do we reallocate them and where and when do we need extra? It takes a lot of time to get a health care professional into the system. Who's going to do it? When will it happen? How's it being paid for? Just how many of what kind of professional will we need? How many hospitals when and where?
All of this comes down to that relationship in the beginning, but we're making rules and regs that start at the top without sufficient consideration.
So- we get people who know how the system works. We bring in those who practice from all fields, we bring in health care consumer advocates. We examine the complex network of health care interactions. Technology specialists, actuaries who can compute the real costs outside of partisan interests. What we do NOT need are hacks. Perhaps some sort of election process by the various professions. Something outside of Democrat or Rep control.
Get a grip on where we are now, and where we need to be in 10, 20, 30 years and more and how to get there. How many endocrinologists might we reasonably need? Neurologists? Physical therapists? In some cases we're talking more than a decade of training after an undergrad degree. We need to start preparing for the future now. That's a way to minimize the TCO of health care. Have what and who is needed where and when it has to be there. That involves a whole lot of expert knowledge to estimate.
Create options for Congress complete with reasonable cost estimates highlighting the potential advantages and disadvantages of each.
Examine the various roles of private and government options including hybrids. Model everything according to best scientific and professional care practices. Everything including methods an means is open to the public. Congress doesn't get anything before the public. All documents are for inspection to everyone at the same time so there isn't a spin doctor waiting- from either party.
Now we have something to go to the people with. Congress can attempt to mangle it, but if they try to weasel and obfuscate, the original documents are there for examination for everyone. Then the politicians who are out for power or money do so at their peril.
Once a consensus is reached we start implementation again with the idea of facilitating, not over-regulating. Medicine is a creative art and science. Every person who comes in is unique. Diseases manifest themselves differently and as often as not there are more issues than one. You cannot practice by rote or rule. Find out patients need and enable those who know what to do to do it, and GTFO of their way.
This is an issue where our representatives must relearn what it means to lead by serving. To follow those who are knowledgeable and be good stewards, not partisans in a brawl. Neither party has demonstrated those tendencies, but that's what's required to get this right.
So we have an understanding of what to expect and how to prepare. The touchy subject. How to fund it? That needs to be looked at too. Taxes? Mandatory investments in some health care fund? I don't know what's best, and right now no one does or if they do they've not been heard from. Whatever it is, it cannot be like Social Security or any other hoax lock box. It needs to be a dedicated resource for the future, and if the politicians cannot keep their hands off of it, we'd best forget the whole thing. No, better, hold them accountable. Not just "the other guy" but all of them. Stupid politics as usual isn't to be tolerated.
Whatever mechanism or mechanisms we select will be expensive because of need, but with aiding medicine to help we can cut down on complications in the future and that always saves.