Posted on 06/27/2017 12:48:30 PM PDT by MosesKnows
One problem with a centrally planned government healthcare delivery program is that some receive non taxable income in the form of employer paid health care insurance premiums while others have to have to pay the premiums from their after tax income.
One of two ways toward a solution is to either treat the employer paid premiums as taxable income or have the premiums paid by individuals treated as non-taxable income.
The benefit to the people will come because of the Constitution and Capitalism. The Constitution limits the legislative power to control the people and Capitalism allows establishment of a market based healthcare delivery system.
How I would reform Health Care
1. Repeal Everything about Obama Care
2. Let people buy Health insurance across state lines ( Why the hell no one ever brings up Wickard V. Filburn concerning this confuses me )
3. For every person here ILLEGALLY who receives healthcare from any hospital the hospital will get re-reimbursed via the following.
1. The payment to the hospital will be deducted from any foreign aid we currently send to that country., PLUS 50% additional gets deducted from the foreign aid as well.
2. once that money runs out we start placing a 1% Tariff on all items coming from that country to pay said bill.
3. If that is not enough money to pay the hospital we start yanking their money from the IMF.
4. For every person here LEGALLY who is not yet a citizen of here on VISA we do the same thing as in step 3 if they dont have insurance or refuse to pay their bill.
5. We let the Hospitals take up to 100% tax deduction for expenses incurred for providing charitable care to LEGAL citizens who cannot afford Health Care Insurance, once the Hospital Exhausts its Deduction, it can flow downwards to the entire medical staff so that Doctors and nurses can benefit for hiospitals providing charity care.
6. We let Insurance Companies Charge up to 2-3X as much for Avoidable Pre-existing conditions Like Obesity, Smoking, etc.... and only charge at 1.5X maximum for people with Genetic Pre-existing conditions.
7. We allow people to directly deduct the entire expense of 2 routine checkups per year up to 200 bucks per check up on their taxes provided they pay for the checkup completely out of pocket without using insurance, For their Dependents under the age of 18 you can deduct up to 150 per checkup 2X a year per child with the same conditions.
8. We allow Health insurance policies that only cover catastrophic injury / events, that don;t cover playign for checkups and routine inexpensive procedures. ( we dont change oil changes to car insurance you know, why not follow the same reasoning )
9. We let the veterans of this wonderful country go to any hospital they wish if they are not getting adequate care from the VA and the bill gets sent to local VA hospital administrators which gets deducted from their paycheck until conditions improve.
10. We make it MANDATORY that Congress Critters ONLY get Health Care via the VA, if they wish to get care from a regular hospital they have to PAY 3X the normal rate. ( A veteran who is currently in congress is exempted of course )
I think bringing back Charity Care in Hospitals and encourage it while punishing countries that let their illegals here leech off of the Health Care system.
How will taxing people make healthcare premiums more affordable?
It wouldn’t solve anything. The biggest problem is that we want health insurance to be a constant cost reducer, not insurance. Insurance is for catastrophic loss. Our goal for health insurance is ostensibly to spread the cost, but we don’t want to just spread the cost, we want to get more out of it than we put into it. And that can’t happen. As long as we demand health insurance defy the laws of physics, as long as we rail against up being up, it’ll never satisfy our demands. It literally cannot work.
How about not suggesting ANOTHER stupid government meddling into health care?
The reason health care costs are so high is BECAUSE of government
Already done. Called "imputed income".
Been paying it for a couple of years now.
Posting vanities as news is stupid. You ought to stop. They belong in general chat
Make health insurance a nationwide PRIVATE industry...
No government control other than restricting monopolization...
“we want to get more out of it than we put into it”
Clearest explanation of the moochers take on “Insurance”.
Spot on Moses. Catastrophic plans are “Insurance”, 3rd parties paying for an office visit is nuts.
1: There’s no “somebody else pays” solution that will *ever* work as well as lowering the basic costs of healthcare.
2: Nobody works for free. That means in the case of HC, if there is an insurer involved, that insurer has to make money from his intermediation in the payment scheme/process. If the government becomes the intermediary, the government does not have to “make money” in the sense that a corporation or a company has to make money, but the government must hire a huge pile of bureaucrats and clerks who consume money and rentable space and pensions so there is a giant swath of overhead associated with the existence of a gov’t bureaucracy. And while the profit motive isn’t there, per se, the effect isn’t really much different because those gov’t agys that adminster such things, especially when you consider the millions and millions of “customers”, typically works at about 20-35% of the efficiency of those in the private sector.
3: The entire argument is in fact about “insurance” versus the delivery of HC in the first place. The fact that the entire focus is where it should not be is clue #1 that no elegant solution will ever be found. It amounts to a situation where you would buy hunger insurance instead of selecting whether you go out to eat something at a restaurant of your choice, at a price between about $5 and $100 per person; going and buying or gathering materials to produce a meal and processing them yourself; or buying “hunger insurance” at some arbitrary price and accept the expenditure of $35 for the purpose of feeding you a $7 hamburger or a $9.50 shoe leather steak as some sort of elegant solution. It’s not. It never will be.
4: The entire argument is an artifice dedicated to the establishment of an exclusive franchise for insurers.
How about the government get completely out of the argument? It’s none of the government’s freakin business.
How about the government get completely out of the argument? It’s none of the government’s freakin business.
> or have the premiums paid by individuals treated as non-taxable income.
Outgo is not income.
That was why I referred to the Constitution. The Constitution doesn't empower the government to legislate healthcare, or in your words, its not their freakin business.
Your suggestions for providing for and recouping costs for aliens is good. I would add to that, in the interest of reducing illegal access to America that childbirth to an illegal alien is still permitted but that the parents be given the choice of taking the child back to the home country along with deportation of the parents or giving the child up for anonymous adoption. The answer really is to eliminate "birthright" citizenship but that is a bit of a different subject.
Once you introduce a third party into the transaction who pays the bills but neither supplies any services nor receives any benefit from them, all laws of supply and demand go out the window.
It's really that simple. There's no way to "fix" something when people think they have a God-given right to force other people to pay their bills for them.
Nothing works with either health insurance or medical/pharmaceutical costs as long as swampthings across the political spectrum are protecting obscene profits by those entities.
Superb question.
I am tempted to simply ask, has not taxing people worked? That sounds impolite but it is the essence of my answer.
The reason that healthcare premiums will become more affordable when the employer paid healthcare premiums are treated as taxable income is that the people will begin to question the cost for the first time.
Until then all the people need be concerned with is, is it covered, cost is not an issue and it should be.
There are countless improvements available once the Constitution and Capitalism frees the market from government interference.
People can question it all they want. But it's either suck it up and pay it or do without. Your plan would increase my taxes by about $250 a month and that's about it.
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