My Health Care Funding Proposal

Brian Griffin | 10/07/2025 | Brian Griffin

[Brian Griffin]

While the shutdown is needless, the Democrats are rightly concerned about healthcare cost coverage.

MEDICAID EXPANSION FAIRNESS

What I’m thinking of is to slightly and generally increase the state Medicaid expansion share to 5% plus the highest rate of state income tax. Right now, California pays for Medicaid expansion at 10% and rakes in 13% income tax from doctors.

That would make Medicaid expansion cheaper for no income tax red states like Florida and Texas.

To help fund likely Medicaid expansion to states like Texas and Florida, the state Medicaid shares (traditional & expansion) would increase annually starting in 2028 by a percentage equal to the deficit in the fiscal year ending prior to the calendar year divided by $1 trillion. That would be a 1.5% increase on a $1.5 trillion deficit, or a .6% increase on a $600 billion deficit. To soften this increase for the states, I would have the federal government likewise increase its share of Medicaid drug expenditures. This would have states assume more responsibility for medical service costs which they regulate and the federal government assume more responsibility for drug costs which it has the power to regulate.

Be aware that property tax supported public hospitals such as Parkland in Dallas and Jackson Memorial in Miami exist in Texas and Florida and are heavily used by the indigent. George Bush Jr. would have had to pay about $5,000/year in hospital tax after buying his house after his presidency. If an indigent from another Florida county without a public hospital gets care at my county hospital, my county hospital can collect from that county.

FAIR SHARE PPACA PREMIUM MINIMUMS

To also help fund likely Medicaid expansion to red states like Texas and Florida, I would impose these premium minimums, whichever is the higher:

1. 2% of the Medicare premium amount per insured year of age as of the start of coverage

2. a percentage of the premium amount equal to the household income percentage of FPL - 60% divided by 3

For a 5-year-old, 7-year-old, 32-year-old and 34-year-old, the ages would sum to 88 and the monthly absolute minimum premium amount would be a (88/65)*$185 or $250.46.

For a 5-year-old kid and a 27-year-old mom the ages would sum to 32 and the monthly absolute minimum premium amount would be (32/65)*$185 or $91.07.

To make all that palatable to the Democrats, I would lower the original PPACA subsidy threshold from 100% of FPL to 80% of FPL.

PPACA AFFORDABILITY

Silver plans would be limited to a maximum deductible of three times the Medicare Part A amount [2025: $1676].

I would also make bronze plans low cost by having $10,000 50% co-pays with $10,000 paid up front to the insurance company by the insured. Unused amounts of the $10,000s would be refunded after the policy is closed out.

I would also make copper plans low cost by only covering Part A scope items plus what Part B would pay for any general or regional anesthesia surgery.

I would allow Federal PPACA exchanges to offer Interstate Class Drug Plans, exempt from state control that cover under policy year contract at the time of policy issue at least:

1. 80% of all FDA-approved recombinant drugs by key active entity

2. 80% of all key FDA breakthrough chemical active entities under patent as of January 1 of the coverage year used in a drug approved by the FDA by August 1 prior

3. 80% of all key chemical active entities under patent as of January 1 of the coverage year used in a drug approved by the FDA by August 1 prior

4. 90% of all WHO “essential” drugs

This system would allow for genuine negotiation between drug plans and drug companies. Drug plans would have an incentive to try to buy drugs from drug companies and drug companies would have an incentive to make deals to make sales.

Plan drugs would be supplied at on an all-the doctors prescribe basis. The co-pays would be roughly equal to mere manufacturing cost. Out-of-plan drugs need not be covered at all.

HOSPITAL EMTALA COST ASSISTANCE

I would allow hospitals collect up to $1,000 per incident of EMTALA service from employers, with payment not in excess of $50 per week per employee concerned being due to any and all EMTALA providers and not for more than 100 weeks after service. Such payments on behalf of an employee would be considered to be a debt of the employee to the employer. Employers could collect back from employees and ex-employees (and require EMTALA incident employees to participate in an employer plan).

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TOPICS: AMERICA - The Right Way!!; Business/Economy; Health/Medicine; Reference
KEYWORDS: 0carenightmare; areyouloggedin; biggovernment; drug; healthinsurance; hughandseries; ibtz; medicaid; medicaidexpansion; nothanks; obamacare; pieinthesky; ppaca; stupidvanity; tldr; vanity; zerocare; zot

[cableguymn]

Mine

simple government guide lines for insurance companies
get TF out of the way
people pay for their own care.
states can come up with their own systems to cover the uncoverable.

[TTFX]

The Federal government allows for drug patents.

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Eliminate patents.

[ridesthemiles]

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