I would like to share my ideas regarding national health care with you.
I believe that someone such as the Surgeon General or someone else should determine what a basic health plan (driven by public health care policies) should be. Once such a basic plan is determined all health insurance companies will be required to provide the provisions of such plan to any United States citizen. Insurance companies would be allowed to charge whatever price they determined is equitable but they would have to charge all of their customers the same price, though each company would differ in price. Everyone would be required to buy the basic plan before buying optional health insurance. Along with this basic policy for everyone the paperwork would be standardized across all insurance companies, hospitals and health care providers.
Since the insurance company has to charge each one of its customers the same price they can advertise the price on radio, television, print advertising creating a competitive market. Since the basic plan is the same, consumers will be able to compare the base rate and optional coverage easier. This would eliminate insurance companies from refusing people for insurance for the basic plan. However, insurance companies could charge accordingly and set their own guidelines for optional insurance. Also government can help the poor with their premiums. The government also should set up an insurance plan for the insurance companies that thay all pay into, so that smaller insurance companies could offer health insurance, so if a insurance company has a person with health cost of over a million dollars thay could collect from the government plan. Also make medicare and mediaid cradle to grave plans so to make insurance companies to keep you healthy for your whole life and not just keeping you healthy till you get on medicare. And to make every one get health insurance give a tax credit to everyone that buys health insurance that will pay for most if not all of the cost of the health insurance, the tax credit would be base on the number of people insured for the household and not the cost of the health insurance, but it still should cover most if not all of the cost of the health insurance. For people doing unhealthy acts, I say tax them, tax smoking, tax unsafe cars, tax unhealthy food, and use those taxes to help fund health care.
my email is debdaveandpets@gmail.com
if you want to contact me, I think my plan would be easier to do than most others health plans. Tell me how to make it better.
David McDonell
E5273 Airport Road
Ironwood, MI 49938
Comments (4)
The idea of having the Surgeon General's office setting the basic health plan was good but you ran astray when you involved the government in running the operation causing a direct competition of the government with private industry.
Think of the governemnt as a monopoly. It will do its best to maintain that monopoly, even to the extent of becoming a dictatorship.
Many retirement plans own stock in health insurance companies. Who will bail out the retirement plans when the health insurance companies go out of business?
tax credits will cover most the cost for health insurance
Direct competition of the government with private industry. Why not? I am not talking about subsidising one over the other, the tax credit you will get would be the same if you pick the government plan or one of the many private plans, or are you saying private industry plan can not be as good as a government plan??