rberq wrote:The rules:
(1) Name ONE SPECIFIC thing that reform should include. Or, name ONE SPECIFIC thing that reform should not take away.
(2) Don’t argue or agree with what the last poster said. Just make your own SINGLE, SPECIFIC point.
(3) It’s OK to say “Everything is great now, no reform is needed.”
My one thing: Eliminate the public and third party payment systems. They are the root of the problem. To do that:
Everyone must buy their own health insurance/health savings accounts using 17% of their income (that is the current cost of health care in the US) regardless of income size
. Everyone must be informed of expected costs and be invoiced directly. The government would mandate that individual proof of insurance is to be filed each year. The 17% is a starting point for health costs. As costs go up or down as accounted for by the federal government, so too will the required contributions for insurance and MSA's.
Employers are prohibited from providing health insurance coverage. No public insurance of any kind would be legal. Only private insurance coverage, subject to federal regulation, would be legal. Consumers could choose between luxury, standard or catastrophic-only packages. The excess of the 17% of income over policy cost must be placed in an MSA. All premiums, health care expenses, and contributions to MSA's are to be tax deductible or tax deferred.
No individual could be awarded more than their economic lifetime earnings value prorated to their life expectancy in a malpractice suit. Awards for pain and suffering are limited to 50% of the prorated expected lifetime earnings. The individual lifetime aggregate of all awards will be capped at $3,000,000 (indexed). All awards will be structured. There will be no punitive damages awarded. Culpable doctors, technicians and corporations who have an inordinate number of suits filed against them will lose their licenses.
The unemployed/indigent children/disabled/indigent retired will be covered by private insurance companies who will assess a premium on all policies as a reserve for the coverage of the unemployed/disabled/children as mandated by law. There will be no exclusions of pre- existing conditions and such risks will be pooled by the insurance companies. Policies will be non cancellable. Policies will be ratable for criminally high risk or illicit behavior.
No coverage for illegal immigrants or aliens.
Bear in mind that the government has every constitutional right to regulate commerce but no right to destroy private enterprise or create public individual health care in the name of "the general welfare".