Seemingly everytime we pick up a newspaper or periodical we see that health care costs have risen again.  The only real question anymore is 'How Much?'.  Of course, if we still have health insurance, the premium rates continue to go up and up.  What in the world can we do about this?  Would statewide mandatory insurance coverage do the trick?  Can we somehow legislate lower insurance premiums?  Are the drug companies really the culprits?  Maybe we simply need to move to Canada or Europe.

Recent studies show that our national health care spending increased in 2006 by 6.7% to $2.1 trillion.  That means that one out of every six dollars spent in our national economy goes for health care.  The 'good news' in this staggering number is that this is actually slower growth than we saw for 2005.  Apparently we're going in the right direction, even if too slowly.

Another amazing fact, to me at least, is the amount of 'out-of-pocket' spending each of us averages after insurance premiums, etc.  In 2006, we spent, on average, 12% out-of-pocket for our health care expenses.  Know what we spent out-of-pocket in 1960?  We spent 47% out-of-pocket for health care expenses. 

That means that we are shielded to a much greater degree today from our real health care costs than we were in 1960.  Our out-of-pocket costs have decreased steadily since 1960.  We are often at the point today where we think of the cost of health care as being the $10 or $20 co-pay we have to come up with when we go to see the doctor.  Or, the $20 or $30 dollars we have to cough up for medicines.  Those amounts are very small percentages of the total costs.

Why is this important?  It is important because we need to think about what we're spending if we're ever going to be able to bring this cost spiral under control.  If we come to understand that the real cost of the doctor visit is in the range of $125 to $150 or more, we can begin to understand that maybe we shouldn't be running to the doctor everytime we have a runny nose or a cough.

Another very interesting fact is this:  more than 50% of all health care claims costs in America today are to cover lifestyle-related illnesses.  Those are the things that you and I can control to one degree or another.  But, we can't control them if we don't know about it or if we choose not to do anything about it.  What are 'lifestyle' issues?  Smoking, alcohol use, obesity and simply laying around doing no exercise.

Does this apply to us?  Here are the most current facts:  One in every four Americans eat fast food every day!  Six of ten Americans do not exercise or seldom exercise!  Two of every three Americans are classified as either overweight or obese!

This is the real source of our health care cost crisis.  We have met the enemy and it is us!

No mandatory state programs, or profit controls on drug companies or anything else is going to solve this problem.  The simple truth is that this is up to us.  All the rest of these proposals are simply pablum calculated to make us feel good.

That is why this 'stuff' is flowing from the mouths of politicans.  And it does nothing to solve the problem!

Let your politicians know that you understand this.  If they really want to help us, they'll begin an educational program using some of the 'smoker money' to get the true message out.  And, be sure to tell them we do not want laws banning fast food or drinking or smoking.  We need to take responsibility for ourselves.  No one else can do that for us.  The marketplace will make its own corrections just as you've begun to see with the menu changes going on in the world of fast foods, for example.

Maybe if insurance companies were permitted to charge people what we deserve to be charged based on our lifestyle habits, we'd begin to see these changes occur.  If I smoke, I pay more.  If I'm overweight, I pay a surcharge.  Make me feel my wallet lightening up if I don't take personal responsibility (just don't think this is your new way to raise taxes). 

Don't just continue to blame big health, or big drugs or big insurance!  You are doing nothing but pandering when you resort to this, and we're on to you!

Junk mail is driving me nuts. How about you? Is there a real solution that we can use or are we doomed to continue to wear out our delete keys? I’ll be happy to pass along your recommendations.

Perpetual campaigning is robbing us Americans of our rightful expectations of government. This is vividly clear when we look at the federal government. It seems to be getting more rampant on the state level, as well. Every move at the national level is one of posturing, rather than governing, for the majority of our elected officials. And, too many moves on the part of our elected state representatives smack of the same.

General Petraeus, the commander of our forces in Iraq, delivers his assessment on conditions there in a week and one-half. However, both sides appear to not have the courtesy to let us decide what to think of his report. Instead, they have been positioning for weeks to tell us what he’ll say and what it’ll mean. No matter your persuasion, you can make up your own mind; I doubt that many of us need such assistance.

The Presidential candidates for both parties will likely be chosen by very early in 2008, and maybe even before the coming New Year’s Day. On the heels of the “perpetual” campaigning mentioned above, we have this rush to decision being thrust upon us by a handful of states. Would we be further ahead to have a single national primary to be followed in 120 days by the national election, as I’ve begun to hear discussed?

Governor Doyle’s hand has appeared as expected in the budget debate. Unfortunately, he is resorting to fear-mongering by citing this and that calamity about to befall all us Badgers because there is no compromise as yet, on a terrible budget I would add. According to him, our schools won’t be able to run, our state Medicaid system will fail the folks who depend upon it and the Republican’s failure to acquiesce will cause your property taxes to rise precipitously. His budget, even without the addition of Healthy Wisconsin which he does not support, has us paying 23% more than before. With Healthy Wisconsin, it only doubles! What a choice we have. The opposition must not cave in, but instead must continue to work to advance its more rational version of our next biennium.

Our Warhawks football team ran into the seventh-ranked team in the state last evening and came away with a much better understanding of its own weaknesses. Coach will build on this experience and our players will improve having gotten such a solid lesson so early.

Our new motorcycle patrol is having the desired effect. I have been amazed at how invisible that cycle and officer can be, and also marvel at my good fortune to have been at or under the speed limit each time…so far. If you’ve not given thought to the effectiveness of this unit, do so before you pay good money for a transgression.