Small Reforms to Improve the US Medical System

Brownstone Institute ^ | May 6, 2025 | Jeffrey A Tucker

[Brian Griffin]

“Put actuaries to work not just on large groups of people but on individuals, and allow premiums to adjust based on actual individualized health risks. This would strongly incentivize better living. For example, there could be discounts for people who join and use gyms, follow a keto diet, don’t abuse substances, and so on. Reward them and many more will join in better practices. It’s possible that this could happen even without repealing the non-discrimination for pre-existing conditions. Simply reward people with lower premiums for being less likely to use medical services.”

Plan provider might be allowed to offer a range of pre-paid deductible plans.

PRE-PAID DEDUCTIBLE PLANS, AGE GROUP 4

deductible premium

$1000 $700/month
$5000 $500/month
$10000 $300/month

Companies might offer to front your deductible based on your health for a health-dependent price.

[If You Want It Fixed - Fix It]

And Columbia is leading the way by graduating as doctors promotors of jew-killing of their own fellows.

Good on them. Keep costs down. Fewer living jew doctors means less bills burdening sick people.

[Nailbiter]

#9

[spintreebob]

Agree with 1, 2 and 4.
#3 would create big distortions. Thursday could be considered charity...but everyone chooses that to be their day off and nobody is available to work.

#1 restated: All Providers should be able to handle cash and credit card payment at time of service and encourage it.

It is too easy to ignore bills that arrive 6 months later and only display an amount and not even the name of the Provider and not the nature of what the bill is for, which is mostly what I get. It is mostly what I see sent out where I work in the healthcare field.

[Paal Gulli]

The worst thing that ever happened to the US medical system was the 1977 Supreme Court ruling that lawyers had to be allowed to advertise. That opened the floodgates on lawyers specializing in personal injury cases. In fact, the per capita number of personal injury specialists in America went up SIX FOLD after the SCOTUS ruling.

Tort reform — Loser Pays — would fix that problem because lawyers gambling they can file for even minor injuries and still get an out-of-court settlement next to nothing and has made malpractice insurance skyrocket.

The second worst thing was getting “free” health insurance as a work benefit.

It isn’t “free,” the employee just doesn’t see the bill. In fact patients with work-provided health insurance don’t see the doctor’s bill OR the insurance premium, so they don’t care when a doctor prescribes a $1500 MRI for the benefit of his malpractice insurance rather than their health.