Since Jan 16, 2012

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A cost effective universal healthcare should have these features:
1. 100% private health insurance, not run by government.
2. Ability to buy insurance out of state.
3. No mandate to buy government defined insurance coverage if you are male
no need for mammogram or pap smear coverage, *or prostate exams for females.*
4. Catastrophic only health insurance available,
especially for younger folks, which is much cheaper.
5. Limits on mal-practice awards based on actual damage.
6. Availability of prescription drug insurance through a group policy.
7. Portability of health insurance when changing jobs.
8. Tax deductible Health savings accounts contributed by employer.
So you are in charge, not the insurance company or government.

Health care costs are a serious issue in US. Both parties
have failed to address this issue. Republicans must give up
dependence on campaign cash from health insurance companies.
Otherwise democrats are going to exploit healthcare costs, which are
real and #1 cause of family bankruptcies.

Without a universal healthcare, sick people wait too long to get tested and be treated early, and then the disease gets more advanced, costing much more to treat on an emergency basis.

I went through an emergency cholecystectomy surgery after suffering unimaginable pain episode. I will not tolerate any American citizen to be denied the same access I had to the nearest hospital, simply because he/she can not afford good health insurance like I had. Some form of free market, capitalist structured universal healthcare is a necessity for every American citizen. I am AGAINST any single payer healthcare. Just look at the fraud and cost of Medicare, which is a single payer system for people over age 65.

Arrived from India at age 20 as graduate student for master's degree in engineering, way back in 1960. They thought I must be a genius or something studying for my master's degree at age 20, but I was no genius, it was my mother home schooling me and skipped 2 grades in elementary school. I paid my own way through college by working in a hospital cafeteria washing utensils, some help from parents and acquiring foreign student merit scholarship. I am still here and proud to be a naturalized American citizen. Married to a born in USA woman, and both my kids were born after I became a citizen. One is a lawyer who graduated magna cum laude and passed her bar exam on first try (Hillary failed 1st time), working in Washington State and Other one is a certified clinical research professional working in a cancer treatment hospital.