The 2020 Crash and Failed Response to Corona virus

So the Virus we knew was coming a decade ago finally hit us and the USA is woefully unprepared. Pay attention and please share these talking points as we still have a chance to reduce the damage the next time this happens, and it WILL happen again.

Why its so bad

• Trump disbanded the emergency response unit that was put in place to protect us. Standard Conservative policy, cut govt programs because individuals and corporations should be able to fend for themselves.
• Trump has made things much worse by not taking it seriously from the start and worrying more about the stock market than human lives. So he kept telling people it was contained and over rated, nothing to worry about. So it spread further.
• He waited to long to restrict travel and then exempted countries where has hotels.
• Testing kits were offered by WHO early on but Trump admin refused, so an American company could get exclusivity. Except of course the kits were made in China because of our disastrous trade agreement and turned out to be contaminated. This put us way behind the rest of the world.

Trump and Republican "Solutions"?

• Bailouts to major corporations.
• Payroll tax cuts which of course wont help the people sent home without pay or laid off.
• Finally after more than a month persuading insurance companies to not charge copays for testing and our taxes covering their costs. Meanwhile treatment wont be covered, and of course millions of workers will lose their insurance because there no longer working.

The Corporate Response

• Lay off workers because consumer demand in many industries is down.  Honestly you cant blame the companies, but rather than put people on leaves of absence so they keep their health insurance (If they can afford the premiums without a paycheck) their now out of work for an unknown length of time.

The Biden Plan

• This is what the status quo with our health care system looks like.Once you lose your job you lose medical coverage. Even before that happens your discouraged from getting testing (when available) or treatment because for many people the copays and deductibles are too high.
• Taxpayers by the way foot the bill when these people use the ER after it gets serious because they could not afford to go.
• Think about that come election time, The AHCA was better than what we had, and certainly better than the nothing Paul Ryan and Mitch McConnel came up with but it was not enough.

The Sanders Plan

Had Sanders won in 2016 and managed to get his Medicare for all plan through Congress (yes it was and is a long shot and hard. But anything worth doing is hard, and the alternative to not even trying is failure) we would simply not be in this mess.

• You have no Health Insurance now or its too expensive? Under Sanders plan you and all those healthy young people would have been paying into the same healthcare pool everyone uses.  Yale did a study and showed it would save $45 Billion a YEAR. Yes it costs 30 trillion over 10 years as the health insurance companies and the talking heads on TV tell you.  But were already spending 54 trillion in that same time period according to a REPUBLICAN study by The Heritage Foundation. In other words even they know it saves money, they just don't want YOU to know so Health Insurance companies will keep paying them off. Every researcher knows it saves money, they just tell you the costs in taxes but not the savings in your wallet with no more premiums, deductibles, and copays.
• Imagine if everyone who gets sick could get tested (Neither Sanders or Biden would have botched the testing kit thing) and would get tested because they could afford it. Maybe they lose their job for being sick, thats sad but they would still get medical care and maybe quickly find another job.Especially since companies would still be doing a good business.

Summary

Its really too late for this outbreak, we should have elected Sanders in 2016.

However there will be another one, maybe in a few years, maybe a dozen, we do not know when but we know it will happen. In the meantime 45,000 Americans die each year and thousands of newborn babies because people cant afford the current system. It works great for the upper class, lousy for everyone else. And do you really like your insurance company? Not talking about your doctor, but the company you pay every month to help with your medical bills when you need it - are they there for you when you need them? Or do they delay payments and string you along with paperwork?

Getting rid of a business that only makes a profit by not paying out what you pay them for just makes no sense. Of course we have the worst health care in the entire modern world!

Biden is winning the Dem election, not because people like his policies, exit polling in every single state so far proves that. He is winning because the millionaires on TV and the Radio, as well as those in D.C. are telling you everything is fine, lets not rock the boat. Ask yourself, is it fine for you? Would you like it to be better? Sanders can still win if people come out and vote not on nostalgia over President Obama, not over fear of stupid buzz words like socialism but because they want a better future. If Sanders loses America loses, simple as that.

Its true he may not get his plans through Congress and we may lose anyway. But the other side is telling us we certainly will lose of they win and Sanders is defeated because they will change nothing.

I fought for America in the USAF, I'm not surrendering now. My country and generations after me deserve better!

Senator Sanders Medicare for All Plan. Will it Save YOU $$?

Senatars Sanders plan will raise an employees payroll tax by 4%. But before you decide thats good or bad you need to look at the bottom line to find out the real answer.
According to PeopleKeep https://www.peoplekeep.com/blog/what-percent-of-health-insurance-is-paid-by-employers,
Also....
https://www.patriotsoftware.com/payroll/training/blog/what-percentage-health-insurance-employers-pay-how-much/
If you work for a good company your employer pays part of your premiums.
Single coverage costs $6,435 in 2016 according to Kaiser Health.
Family coverage costs $18,142 for the same period.
If your employer pays the average of 80% and you pay the remaining 20% plus any deductibles and copays the break points are.
Single coverage workers who make more than $25k a year will pay more in his proposed payroll tax.
Family coverage workers need to make about $120k a year before they start paying more under his plan.
This assumes a couple of things.

• If your Employer pays a different percentage, or none than the the number changes. Lets say you have no employee health insurance, either you work at a small business, are self-employeed, or just changed jobs in the last 90 days divide $6,435 (single) or $18,142 (family) by your salary to see your basic rate. If you are paid hourly double your hourly rate (assuming 40/ hour work week) to estimate your salary.
• Remember this is your premium cost, you also have deductibles and co-pays under normal insurance,
• You are also paying income tax on whatever your company pays in benefits.
• Remember this is just premiums, if you actually use it your costs go up with co-pays, deductibles, caps, and things the insurance company refuses to cover. Sanders plan adds a lot of the stuff medicare recipients use supplemental plans for now such as hearing aids, eyeglasses, etc.

80% is pretty rare in my experience but it varies company to company, and small businesses dont even offer health care. Also Part time employees usually do not get benefits. The thing to remember though is what they pay also counts towards your income taxes as if it were wages so your paying taxes on that coverage. Plus the company has extra costs from HR departments dealing with it and doing the annual shopping. With Single Payer they can skip all that, they might even give some of that difference to you in higher wages to stay competitive. Look at your paycheck to see if this is better or worse. For a single member coverage average is 6.4k and $18k for family coverage, look at your paycheck. If you make $50k thats 12% for single payer plus out of pocket expenses like deductibles and copays. If you make more than that its a lower % (like most of these news anchors) and if you make less your paying a higher %. Some low income people get a tax subsidy but were already paying for that in taxes. Senators Sanders plan linked here https://www.sanders.senate.gov/download/options-to-finance-medicare-for-all?inline=file Employers pay 7.5% payroll so save huge. Employees pay 4% income tax so all but the richest save huge. Why is it so much cheaper? Lower overhead from more efficient Admin costs, no insurance lobbying (multi- Billion dollar industry), no need to advertise, no agents whose job is to prevent you getting your expenses paid, etc. Plus bigger pool better shares the costs. Also additional tax money paid by taxing capital gains and stock traders as if they were working for a living like most Americans, now they have a loophole to avoid taxes. A few other taxes on billionaires and some multi millionaires. Estate tax, Increase in their marginal rate, etc. So billionaires still get to be billionaires they just pay more in taxes. I'm ok with that.

Single Payer Week: Stay the same or change?

We have looked over a lot of material this week.
Do we want to continue the same procedures and hope things change for the better? Or do we change course and try for something that works better?

Single Payer is proven to be a cheaper and more effective solution than private insurance based health care. Given that its seems pretty strange anyone wants to keep doing it the old way.
One thing is certain, Health Care is on the minds of millions of Americans and we need to vote for those who are serious about working on this issue.

Thank you for reading through this series with me.
Rory

Single Payer Week: But Socialism!

Labels are handy tools for keeping a conversation short or weapons that work well as propaganda. The trouble is people forget labels are just shortcuts and often misleading.
Lets briefly hit some terminology first.Four types of economies Traditional, Command, Market, Hybrid.
Republicans want a Market system, Democrats want a more mixed system.
America is currently a mixed system and always has been, though ratios vary from year to year.
Communism, Socialism, Capitalism a fairly short explanation

Capitalism is great for a growing economy and encourages research, competitiveness but those left behind tend to get further and further behind and eventually you get a sort of generic lottery where your success is based on to whom you were born to more than how hard are effectively you work.

Socialism gives everyone an equal chance and opportunity but removes a lot of the incentives to work hard since your not bettering your personal situation as much.

Socialism is definitely a more humanitarian and Christian system but there is no doubt human nature makes capitalism more efficient at long term survivability and growth.
But like most things in life the answer to what is best lies not at the extremes but somewhere in the middle.
America was founded by reformers and liberals, though over time the definition has changed with the country moving further to the left.
Public Education started in Boston in 1821 and spread throughout the country. One side says the wealthy should pay for their own education and the poor can remain uneducated. Another side says the rich should share so that others have a chance to better themselves.
If your being honest you can see both sides but probably either argument is unconvincing in getting you to switch.
How about looking at it from a larger picture, one of patriotism?
 A better educated population is better prepared for the modern world and able to do jobs that require more education. Companies improve their products without having to import foreign talent. Those companies will make better products that more effectively compete in the world marketplace, bringing more wealth to the country.
Higher wages mean more money in the hands of consumers which means more demand for product which means companies make more money. Even better they have to higher more people to make and sell things so its a replenishing cycle.

I thought this was Health Care week?

Sorry, I just wanted to lay the foundation.

As above, one side says if you want health care you need to pay the costs yourself and one way to do that is through health insurance. Either you pay it all or your employer pays part as a benefit to attract workers. The other side says get the insurance companies out of it as they just increase costs and cut care to make higher profits.

But wait! If my taxes go to health care I am paying for other people to get medicare, is that fair?

How do you think insurance works? Get a lot of healthy people paying in and as few sick or likely to get sick people as possible so you have fewer payouts.

If your working for an insurance company you want to continue that system, anyone else though should take a serious look at Single Payer. It cuts costs dramatically by removing profits, marketing, lobbyists and bureaucratic systems put in place to make it harder for people to get coverage.

Government medical coverage is a social system, just like public education, military, law enforcement, and the fire department. However some things just make more sense as government programs than as private ones.

We do need to monitor it and talk out the details, those are important debates. But the current insurance based system is hurting the country so we need to change it.

Single Payer Week: Paying for it

So how much will a single payer system cost us?
Different sources give different numbers, please research several sources before making a decision on it. Also some studies take into account current costs and others don't, which makes a difference in the results.
In 2016 the government spent 1.38 trillion on healthcare, including CHIP, Medicare, Medicaid and VA care, as well as tax deductions and subsidies.
Adding those who are uninsured or have private insurance will obviously increase that cost.
Where does the government get that money?
If my taxes have to go up to cover that dont I lose? Not likely.
Look at how much you spend on medical costs each year, include your insurance cost, deductibles and co-pays. Before I retired I paid as a single person about $80 a check and rarely went to the doctor until the last few years. This was about 6% of my paycheck towards private insurance.
What percentage do you pay? And if you or your family see a doctor that year add those costs to your total.
In my case if I paid 6% in taxes instead of to the insurance company, I broke even. If I actually used a doctor I came out ahead. The Sanders plan would cost 6.2% so I would pay more, most of my coworkers would pay less under his system.
Is that a good deal for me?

• I pay a little more in years I dont use it but likely save money if I do use it, and save a lot if I used it several times.
• I save a lot of hassle dealing with choosing a plan each year and if I do get sick a lot of hassle with paperwork and aggravation dealing with the insurance company.
• Even if I don't use it I get the piece of mind my money is helping other people, including friends, family and coworkers rather than to the profit of an insurance company.

What about my employer? Will they save money or spend more?

According to most estimates employers would pay less than half what they pay now. One example we can see is that our major auto companies pay a lot less in Canada and eagerly embraced their single payer system over the cost of private insurance. 

Wait, if employees pay less and companies pay less, how can this work?

That question is what tripped me up for years and made me leery of this idea. However after some research I changed my mind and now embrace it.

Americans pay more than other countries for the same care. On average we pay twice as much for health care and a LOT higher prices on prescription drug costs.

Medicare pays about 3% on overhead, where insurance companies pay 15% to 25%. Why do they have so much overhead? Aren't private industries supposed to be more efficient? That money is spent on advertising, lobbying, marketing (to companies and doctors) and a complex system designed to make it harder for doctors to get paid. Government health care is aimed at treating patients as efficiently as possible and leave much of that to the doctor. Insurance companies do not want to pay for care so they can keep more of that money. think about your auto or homeowner insurance, they raise your rates if you use it to discourage you from using it.

So single payer will cut the actual money spent on health care in half! Imagine what we could do with all that extra money...

This is America, one of the greatest if not THE greatest countries in the world. Why d we pay more for less than everyone else? Are those who tell you single payer wont work saying our country is not up to the task of doing what almost every other country has been doing successfully for years? Sounds unpatriotic to me.

Some Sources

The Sanders Plan
Politifact review
Physicains for Single Payer Myths and Facts
Health Care Spending per Capita by Country or what your insurance company does not want you to know!

Single Payer Week: Follow the Money

The Republican party was paid over $5 million by insurance companies and over $4 million by pharmaceutical companies in the 2018 cycle. And remember this is a midterm, lobbyists usually pay more during presidential elections as more people vote.
How much did your rep take in?
My congressman Frank Lucas was given $44,000 by insurance companies, his largest contributor was of course security and investment companies at $97,500 and he has a safe seat so no real competition.
My Senators of course get most of thier money from energy and utility companies, though Senator Lankford received $301,000 from healthcare and $240,000 from commercial banks.
I just looked at the top 5 contributor industries for this election cycle. OpenSecrets.org is easy to use for you to see who lines your representatives pockets.
Its possible to dig deeper using the FEC or other sites but all we need to know here is how much money they get from companies who want to fight single payer.
Insurance and drug companies like the current system, not many other industries do.  How about you?
The thing is we must consider when our representatives take in that kind of money will they ignore it when working on legislation or will they work with your interests in mind instead?
Those companies are not spending that money for nothing, they expect a return on that investment. Maybe its just tax breaks and lower regulations so that the lobbying costs pay for themselves. But there are going to want as much as they can buy for their money.

Follow the Money, always.

Single Payer Week: Advantage to employees and business

So we defined our terms and went over common scare tactics, now lets get into the detailsof will it work for America and how?
Today lets look at the possible advantages.

Businesses

A big cost of business is employee wages and benefits. If a company can save money on health care it will be able to put that money elsewhere. Either in the pockets of shareholders or reinvest it in company growth.  Even if companies pay the exact same amount towards a healthcare tax they will save considerable money in HR costs and not dealing with insurance companies.  Also employees with access to affordable health care are healthier which saves lost work time and worse new hire expenses in replacing those that leave the work force.

If the company can actually pay lower costs in taxes than they do towards their current costs such as insurance and emergency sick programs they come out even farther ahead.

Employees

How much do you pay for your insurance out of each check? What are your copay's and deductibles? Do you know what your caps are? What if your a new hire and not eligible for insurance yet? What happens if you get laid off work? Do you have preexisting conditions? What if you see the doctor and then it turns out your not covered for that visit? Maybe they were out of network, a form was not filled out properly, or the procedure is just not covered even though they told you it would be?

Ever had any of that happen to you? Most Americans have, and it can be a crushing blow.

Now imagine if you just go in when you need to, no deductibles or copay's and your doctors office knew exactly what was covered because everyone has the same rules.

Ever been hurt on the job and have your work and insurance company fighting over who will cover the bill? Meantime, the doctor and bill collectors come after you.

What if your a contract, temp or part time employee? A lot of companies hire that way to avoid dealing with insurance costs. Can you make ends meet?

Medical Facilities and Doctors Offices

Ask your doctor the next time your in for a visit how much time and money they waste dealing with insurance companies. With the new junk insurance the GOP is pushing it will get even worse. Ask them if they would prefer a single set of understandable rules and coding. Ask them if they would prefer to prescribe the medication you need rather than what the insurance and drug companies push for?

To be fair they may not like what medicare pays but at least its predictable. And if everyone is on it, they can probably lobby for better pricing.

Single Payer Week: Scare Tactics

Single Payer opponents rarely use facts to counter it as those are easily refuted. Instead they try to overwhelm with scare tactics and shout their opponents down. Watch them and you'll see.

Common Scare Tactics

• Its Socialism: While socialism can go to far the concept is not inherently bad. Other things that can be attributed to socialism, police, fire departments, Non profits that get tax breaks, including churches, FEMA and the National Guard going in for disaster relief, charitable contributions being tax deductible, Social Security, National Parks, and other ideas where the government helps the American people rather that let everything go wild.
• Long wait times for care: Ask your friends from Canada or European countries about it, I have. ERs are based on Triage so see the ones at greatest risk first then everyone else. Other visits you call your doctor and make an appointment. In the USA you may have to wait to have the doctors office check with your insurance company but otherwise your delay is comparable to most other countries.
• Its expensive!: The most conservative estimate (Koch brothers) says it will save $500 billion over the next ten years! Some say as much as $17 trillion, though most estimates come in around saving $2 trillion. Our current system means average medical costs are at least twice that of most countries, and drug prices even more than that.
• Healthy people will have to pay the costs of sick people! Really Mr. Ryan? This should not even need to be addressed but that is exactly how it works now. Insurance companies charge people and hope they are low risk so they make a bigger profit.
• Privatized Healthcare is anti capitalism! Doctors and hospitals will still be privately owned and run, all that changes is you pay the government instead of an insurance company. How well do you like your insurance company anyhow?
• Government run programs are as efficient because they are not trying to make a profit. This IS true for some things. And is a strength of capitalism vs. say communism. However you need to look at the details. If a company produces a product and you dont have to buy it they need to sell it at a desirable price or you wont buy it. Health care does not work this way for most things. If your sick you need care and will pay anything you can to get better. Companies know this which is why prices are so high and the number one people go bankrupt in the USA is medical bankruptcy. Medicare is the most effecnt system in the USA because it has a low overhead and does not spend money lobbying or trying to create complicated policies to avoid covering you when you get sick.
• But Venezuela! A popular Fox talking point. Venezuela like almost every other country in the world has socialist health care and the country is in sad shape. But so does Canada, England, Finland, Sweden, and again just about every other country in the world. They have it so bad because the government is corrupt. Are you really saying that America is so pathetic that instead of doing it better than everyone else we would do it worse?

Single Payer Week

Single payer, Medicare for all, universal health care, what do these things really mean?
In the upcoming week I will be posting an entry a day to explain the concept and what it means for Americans and business, and I look forward to comments and questions.
Starting off lets break down some of the words above.

Medicare For All

The idea here is that we already have a federal health care system for the elderly. Signed into law by Lyndon B. Johnson (Democrat) in 1965 as an amendment to the Social Security Act (Created by Franklin Roosevelt (D)). He also signed Medicaid into law at the same for the disabled. President Truman was actually issued the first Medicare card as part of the ceremony.

It was created because private health insurance was virtually unavailable to those over 65.  Health insurance companies make their profits by charging the healthy and avoiding paying the sick as much as they can. So if they can exclude people based on preexisting conditions or being to old they will in order to increase profits. The reason this has so much traction is it already exists and has a proven track record of low administration costs and overhead so its more efficient per medical dollar than any other system in the USA. The idea here is instead of creating a new thing we just expand it.

Universal Health Care

This is a less specific idea that seems to have less traction but the goal is the same. Create a new agency or process to provide funding for health care. Possibly funded by SSI, possibly another tax.

Single Payer

Really it all boils down to this. The idea is that instead of paying for insurance through your health insurance and its maze of deductibles, co-pays, and caps you use a government issued medical card and its covered by the government. See posts later in the week for plans on how its paid for.

It is important to note that this is not a take over of private medical care, anymore than Medicare or Medicaid uses government doctors instead of private doctors. It wont even completely abolish medical insurance, though they will have stiff competition and be used to cover specialized care such as elective surgery.

Why Single Payer or Medicare for All is good for YOU

Progress is being made towards a Single Payer system but there is still a lot of opposition.
Here are reasons its good for you and some talking points.

I dont want to pay for someone elses healthcare, especially if they dont work

A common objection and while its not very christian or humanitarian it is pragmatic and understandable. But there is a problem with that objection.

• You already are. Those who dont have insurance or have medical conditions not covered by their insurance often raise medical costs which means higher costs for everyone.
• Understand how insurance works. Insurance companies are businesses that need to make a profit. To do that they get tax subsidies and charge customers more than thy pay out. I paid insurance through work for decades and almost never used it, they loved me. My coworkers benefited from that which I dont mind, the insurance company benefited more though. As a patriot I would rather that extra went to the USA than a private company, especially one I had no choice or voice in.

Government is inefficient, I trust companies to be more efficient

• We all know government bureaucracy can get crazy and a company is more likely to cut costs. So that makes sense insurance companies are better than government health care right? Nope, here is why. The goal of an insurance company is to avoid paying for healthcare so they have higher administrative and other overhead due to trying to male it hard for customers to get coverage. How pleasant is all that paperwork and phone calls when your sick? Its even worse for your doctor who has to hire staff just to navigate the insurance maze.  That drives medical costs up, while giving you less coverage and higher deductibles. Its just smart business for them to do everything they can to avoid covering your medical expenses.
• Medicare and VA healthcare are very efficient at delivering healthcare at a lower cost because they cut a lot of that overhead. As a veteran I see a huge difference between my VA care and private care covered by insurance. Now the VA is understaffed and underfunded so sometimes you have delays but there is no doubt its better and the numbers show costs less (not just me but overall costs).
• Singlepayer does not get rid of private practice, it just changes the dynamic of who you pay. Insurance or government. So its not privatized medicine or an attack on capitalism.
• Paying for our health care: Either way the money is coming out of our paycheck, either a payroll tax or a deduction to the insurance company. If I get taxed an extra 2% on my paycheck but dont have to pay $80 a check to an insurance company, plus no deductables and even better no paperwork or arguments with insurance companies I call that a win for me. How about you?
• Business no longer have to worry about paying and dealing with insurance companies. Maybe they get taxed so they pay the same as they do now, maybe not. Either way they likely will pay less, especially since they dont have to make deals. Also they dont have to worry about hiring part time to avoid medical requirements for full timers, same with how many people they can hire or have to force everyone to be a "temp" employee.

No lapses in coverage or preexisting condition restrictions

• If you change jobs you often have to wait 90 days before you can get coverage through the new job, your old coverage may lapse or requie special higher cost programs like COBRA. What if you get sick?  Or what if you get laid off work? No you have no coverage despite being a hard worker and taxpayer!
• Preexisting conditions, as a vet injuries sustained during military duty not covered by my insurance, If they could try and blame my doctor visit on that they would (and did) to avoid paying. Pregnancy is considered a preexisiting condition in some states so women have to pay more, that fair? Takes both sexes to have a baby after all. Injured on the job? Once you get another job those expenses may not be covered with new insurance.

Medicare for All means you pay less per paycheck and get better medical care. This is not a dream or guesswork, the evidence is in every other industrial country in the world where they have better care at less than half what we pay.  Why should the richest and greatest country in the world have the worst and most expensive healthcare?

The way we do it now just makes no sense.  Except to the insurance and pharmaceutical companies!

More notes here...

It is not Murder!

Darn it Senator Orrin Hatch is right we cant accuse the Republican party of Murder.
Even though the GOP Taxcut plan disguised as Health Care will kill an estimated 43,000 people a year it is not legally murder as  they plan to do it by passing a law.
Depraved Indifference still stands though.

As long as they keep an insurance based system in play it will never work.  No matter how much you subsidize it or how many taxcuts you give to CEOs of insurance companies.
Real Reform? Take the insurance companies out of play and let them be an optional extra.
Also let Health Savings Accounts roll over from year to year so people can save up for major medical events. And of course Medicare for all, the deductions we already make for insurance from our paycheck would be better spent on Medicare rather than profiting an insurance company.

My Thoughts on Health Care

Single Payer Solutions to Health Care

A lot of people have been talking about this for years and its getting more and more popular but some do not want it.  So study up on the idea and make your own choice not what someone is trying to sell you.

Actual Proposed Single Payer Plans

• Sentaors Sanders Solution The average person will pay 6.2% payroll tax towards covering this.  The insurance industry will try to scare you by saying that is a lot of money but they wont show what that really means to your pocket book. Someone making $40,000 a year would pay $2480 at that rate. At my last job I paid $80 a check on a $35k salary.  So that cost me $1920/year so $250 less than I would have paid under his single payer program. And with his plan there would be no deductibles! 
• Cenk on Bernies plan
• Rep. Conyers, John Jr. plan HR 676

There are a number of state plans proposed as an interim solution until we have a federal plan.

Some Democrats who oppose this and how much they got last election from Insurance, Medical industries and BigPharma.

Claire McCaskill (D-MA 2018) over $853,000 in donations
Joe Manchin  (D-WV 2018) over $472,000 in donations
Nancy Pelosi (D-CA 2018) over $390,000 in donations
Debbie Wasserman Schultz (D-FL 2018) over $142,000 in donations

Now I cannot know that their positions are influenced by all that money (and note this is just the last election) but it is my opinion that companies expect something in return for spending all that money.
So far there are approximately 80 House reps who wont sign onto Single Payer as measured by HR 676.  Now some may oppose this for good reasons but if they represent you I suggest you look them up on Open Secrets and take a look at their donors.
Until the Republicans take away Net Neutrality the internet and watchdog groups like that help us keep our politicians accountable but it is up to US to vote.

A News video on how some republicans will profit off repealing Obama Care

A 2012 YouTube  video explaining Single Payer  Worth listening to if you have questions.
Another one, this  guy is politically active and has a progressive agenda but he explains things in a less academic way so is an easier listen.
And a more recent one from March 30

The main thing is insurance based Health Care is not working.
Americans pay significantly more for Health Care than other developed countries.  A lot of that is Administration and Bureaucracy the Insurance Companies put in to increase their profits.
Remember they are businesses and in it to make a profit.  So anytime they can avoid paying they will and they have set up a lot to do that.  For Americans that means less care at increased cost.