Perhaps thinking about a Health Plan is too hard. Let's try
something easy. Ask if there are insurance plans that almost everyone has that
seem to work. The answer is yes; it is automobile insurance. So let's start
with that idea, there are no mass rallies on unfair auto insurance, at least
none on the media, so we make the following suggestion.
1. A Health Plan must be mandatory for all. Too bad, you got
to have one.
2. The Health Plan is on an individual basis, no employer
nonsense. That means we are all on a level playing field.
3. The minimum coverage is like an auto plan. You have to
have say a $1 million catastrophic coverage plan. Want more? Then go pay for it
but it is not mandated. Want towing, broken windows, oil changes, go but it and
pay for it.
4. There should be no
age penalty. If you have to have coverage then you have it all your life. That
means the actuaries must factor in a life time coverage cost. Too bad for the
kids, but they too will get old.
5. No pre-existing condition coverage concerns. You sign up,
no questions asked. However that it only for catastrophic coverage.
6. Drugs? Now drugs are part of treatment, and catastrophic
often being the most costly. So they get covered. However need an antibiotic or
birth control are whatever, you can buy a plan or pay. You choose.
7. Now for the hard part. Insurance must be country wide and
you must be able to deal directly with an insurer. No brokers, no state
limitations. Can rates be different by region? Good question? Don't have a good
answer for that one.
8. Support? If someone cannot work, due to say a disability,
then they get covered. If someone wants to explore their dreams, tough, get a
job or pay a penalty, a big one. That was a big problem with the ACA. The
arrogant characters in HHS lauded the fact that some thirty year old could get
full coverage for say $10 a month while pursuing their dream of being a Tibetan
flute player while folks on Medicare were paying tens of thousands on top of
what they already contributed for over 50 years! The HHS snowflakes just rubbed
it into the eyes of the poor schlubs paying their salaries.
9. Otherwise you can do this in just a few pages. Keep
Medicare out of the fray for now. Just solve the other problem first.
10. Now I said this eight years ago but Politicians being
Politicians just approved what some third parties wrote for them.
11. Finally, keep the evil academics out of this! Really.
One academic, one economist, and well, see you on the ninth circle of Hell!
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