Disabled veterans rated over 50% pay nothing at all currently, whether wartime or peacetime.
Illegals go to ER for just about anything short of a cold or headache.
Illegals need to pay for er. Right now most use the er as their normal healthcare system. Lots of places have shut down their er centers because of illegals swamping it. This would have them all use er as normal healthcare.
My plan is simpler. Remove the government entirely from the field of Medicine and of Insurance. None of it is provided in the Constitution. The only government “health” function provided for in the Constitution is to guarantee weights and measures. Costs would plummet. Access would expand greatly. Medical and insurance costs would not drain the middle class.
A srtart: But add catastrophic care - starting at say 15,000.00 per person per year, 25,000.00 per family per year max out-of-pocket for example.
Then, CHARGE for the basic ER and ER-instead-of-doctor’s office/24-hour urgent care to the person’s HSA.
Allow HSA unlimited deposits per year with maybe a 10,000.00 per year tax-free maximum into the Life Savings Account, but allow all health care and other withdrawals to be [ulled from the HSA/LSA after age 60.
Also i do not believe anyone must be forced to have it. If they dont have it they pay out of pocket. They can start their gofundme campaigns.
One of the problems we had before Obamacare was that most health insurance was provided by the employer, not picked by individual. This is a result of bias in the tax code.
That means less competition and no portability. The individual insurance market was very small and you couldn’t get plans from other states. Obamacare just made it worse
Crossing state lines is a mistake. Some states have an industry in malpractice. Mississippi, fer instance.
Salaried doctors? Another mistake. If I get paid the same for seeing 15 or 25 patients wanna guess how many I will see?
not to worry....
The HHS guy is going to kill Obama care and fix it
You will get more action on this thread if you format what you posted to be more readable.
Several important things that any ‘fixing’ of health care -
1. Allow everyone to get money (pre-tax) put into a Health Care Savings Account. Maybe $4,000/year. Money not spent accumulates year to year...not tax on any growth. Money only spent on personal/family medical needs. [NOTE: with individuals paying...they have the option to request MORE or FEWER tests. The person starts assuming liability for outcomes...no longer can they sue that the hospital didn’t run certain tests..because they get the opportunity to request more tests...AND PAY FOR THEM.
2. Allow people to buy ‘catastrophic health care’ - where the person might have a $5K deductible before insurance covers the first dime.
3. POSTED PRICES. No more of this hidden prices until the work is done. The Surgery Center of Oklahoma DOES provide “posted prices”. (And in Mexico, a hospital was shut down because it didn’t have posted prices.) With price transparency - people can shop around for best value for their ‘buck’. AND - post what ‘discounting’ is allowed. It is one thing to allow a 10% discount for prompt pay within 30 days...but to allow 1 insurance company to have a 30 or 50% discount while someone else pays full freight is unethical and should be illegal.
4. END any ‘monopolistic practices’... If someone wants to open up a Prompt Care Clinic or any other clinic - no longer allow the clinic to be stopped unless it gets a ‘Certificate of Need’. [Basically - allow the same rules that most other companies already have to live to be applied to the health care companies.]
5. End the pharmaceutical monopoly practices....if a drug is sold in Canada or Hong Kong or elsewhere for much less....allow anyone to buy the drug and re-import the drug to compete with “US” pricing. Again - POSTED prices for drugs...no longer allow some customers to be charged HUGE prices while other customers get huge discounts. Same thing to discounts - all discounts must be revealed.
6. End the FDA’s ability to block modern drugs that are already approved elsewhere in 1st world countries like in Europe or Canada, and allow importation of these drugs to compete with American drugs. (This would END the screw job on Americans when Epi-Pen pricing went from around $50 to $600....for a dispensing system that delivers a dose of epinephrine that costs less than 50 cents.)
7. Limit litigation. Allow arbitration. If arbitration is rejected, then allow “Loser Pays”...and the lawyer and client are both held responsible for the ‘loser pay’ fines if the case is lost (or thrown out.) Disallow ‘stupidity’ ....if the posted warnings are ignored - no suit. If a drug indicates that there are risks of something bad happens and it happens...the client MUST accept the risk rather than expect to be made whole by a ‘legal lottery system’.
1) Yes go back to free enterprise, but I like Trump’s idea of having providers publish stated prices so consumers can compare before there is a crisis.
1b) Allow insurance to cross state lines as long as they conform to the state insurance requirements. That’s in Trump’s plan as well. You don’t want a lot of companies marketing insurance in your state that doesn’t conform to the State’s insurance requirements. Doing so, makes everyone have to become lawyers to read the fine print. You could possibly do it if there are bold warnings that the plan doesn’t conform to state requirements and there fore could be a scam, or have severe limitations. But then the insurance commission isn’t going to want to deal with the complaints, so no.
2) Agree Public option...allow illegals to go to public option, not ER’s.
3) Agree disband VA and place them on Medicare. Nation pays premiums and/or copays to make compatible with current VA benefits.
4) Agree the VA could convert to public option. But that means you still need to clean it up. And limitations on legal remedies on public option seems reasonable.
5) Need to bring back the anti-trust litigation prior to HMO’s that said they couldn’t charge different fees. The differential in fees paid to insurance companies vs prior pay is rediculous. Goes to the pricing transparency in Trump’s plan.
6) You might want to shore up the Profit/Risk profile of Hospitals. Reason being, is that you want capacity to handle epidemics. You don’t want Hospitals to manage capacity to tightly.
7) There should be an emergency Equipment and supplies stockpile plan. Something to bring additional equipment into an area in a crisis.