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Resolved Question: Isn’t the best “option” for health care getting rid of “INSURANCE”?
All it does is cause the price of health care to rise and medical professionals to inflate their prices. That’s why you are quoted a price that’s a lot higher if you have insurance, and considerably lower if you don’t. Isn’t that a scam? Shouldn’t patients and doctors deal with each other directly so that both can get what they want–more patients for the doctors and more health care because of more affordable prices? I’m sure hospitals, doctors, and patients would also be relieved to be free of the paper work and all the extra fees too. Thoughts?
Here’s one example:
http://tpmcafe.talkingpointsmemo.com/talk/blogs/jeffcrook/2009/08/three-personal-examples-of-wha.php
It’s a scam because it balances out. The only difference is that the insurance company is in the middle making money for themselves–just for being in the middle!
http://tpmcafe.talkingpointsmemo.com/talk/blogs/jeffcrook/2009/08/three-personal-examples-of-wha.php
zaza: I never mentioned government. And government is paying into this private health insurance scam already.
You’re not saving any money with insurance.
8***L: If he saved his earnings instead of giving hundreds away each month, he would have enough money to pay for the occasional costly procedure. Which would be more affordable that now if insurance companies didn’t get involved.
ruth: But with the insurance scam system in place being subsidized with tax dollars, that does make doctors who want to deal direct cost prohibitive to most people. No honest person can compete with an entity that wouldn’t even exist without tax dollars–just like the large banks being bailed out while so many small banks have to close because of it! It’s the same with small, independant doctors.
Note: I’m against a “private option” because it’s still INSURANCE when it’s not necessary! That would be paying twice just like we’re paying twice with the current private system that gets subsidized with tax dollars and well as make huge profits.
I meant, I’m against a “public option.” oops
Resolved Question: Have you read what’s in HR3200, the House 0bamcare Bill?
DIRECT QUOTES FROM THE BILL
WILL IT RATION MEDICAL CARE? See pages 284-288, SEC. 1151:
‘(ii) EXCLUSION OF CERTAIN READMISSIONS.—For purposes of clause (i), with respect to a hospital, excess readmissions shall not include readmissions for an applicable condition for which there are fewer than a minimum number (as determined by the Secretary) of discharges for such applicable condition for the applicable period and such hospital.
WILL IT PUNISH AMERICANS WHO TRY TO OPT OUT? Pages 167-168, section 401:
‘‘(a) TAX IMPOSED.—In the case of any individual who does not meet the requirements of subsection (d) at any time during the taxable year, there is hereby imposed a tax equal to 2.5 percent
WILL HEALTH SAVINGS ACCOUNTS BE ILLEGAL? Pages 26-30, SEC. 122:
(A) IN GENERAL.—The cost-sharing under the essential benefits package shall be designed to provide a level of coverage that is designed to provide benefits that are actuarially equivalent to approximately 70 percent of the full actuarial value of the benefits provided under the reference benefits package . . .
WILL IT DESTROY PRIVATE HEALTH INSURANCE? Pages 149-150, SEC. 313:
(a) IN GENERAL.—A contribution [a tax on business, with payrolls over $400,000 per year] is made in accordance with this section with respect to an employee if such contribution is equal to an amount equal to 8 percent of the average wages paid by the employer during the period of enrollment (determined by taking into account all employees of the employer and in such manner as the Commissioner provides, including rules providing for the appropriate aggregation of related employers). Any such contribution—
[Business that now provide health coverage will be encouraged drop the plan, enroll their employees in the government plan, and pay the 8% “contribution.”)
DOES THE GOVERNMENT SET FEES FOR SERVICES? Page 124, Sec. 223:
(d) CONSTRUCTION.—Nothing in this subtitle shall be construed as limiting the Secretary’s authority to correct for payments that are excessive or deficient . . .
(e) CONSTRUCTION.—Nothing in this subtitle shall be construed as affecting the authority of the Secretary to establish payment rates . . .
(f) LIMITATIONS ON REVIEW.—There shall be no administrative or judicial review of a payment rate or methodology established under this section or under section 224.
CAN THE GOVERNMENT SEE OUR PRIVATE FINANCES? Pages 195-196, SEC. 431
‘‘(A) IN GENERAL.—The Secretary, upon written request from the Health Choices Commissioner or the head of a State-based health insurance exchange approved for operation under section 208 of the America’s Affordable Health Choices Act of 2009, shall disclose to officers and employees of the Health Choices Administration or such State-based health insurance exchange, as the case may be, return information of any taxpayer . . .
[and] ‘‘(v) such other information as is prescribed by the Secretary by regulation as might indicate whether the taxpayer is eligible for such affordability credits . . .
http://www.classicalideals.com/HealthCareBill8-2009.htm
As usual, libs resort to Alinsky Rule 5 – “Ridicule” instead of defending this POS.
Resolved Question: What do you think of my health care proposal?
I sent this letter to my congressmen. I would love to see what people think of it. It’s long, and I’m sure needs revision and fine tuning, but I ask for you to evaluate the concept.
I asked this last week but people firestormed it off of here. I’m trying again. Report me and I will chase you to the ends of the earth.
Dear (name)
I have a proposal of my own regarding health care reform that I wish to submit for your consideration. I know I likely have a lot of goofups with my numbers, but it’s the concept I would like evaluated. I think this could really work.
Currently, the federal government covers 83 million people already. 43 million through Medicaid ($440B, 2008 numbers) and 40 million through Medicare ($208B from the Feds, and $157B through the states (2007 numbers). So, total $805 billion for 83 million people, or roughly $9,700 per person! Let’s say $10,000 per person to keep the math simple.
What’s the average household size being covered? Average in the US is 2.65 (2000 Census). So, let’s be conservative and say 2. That makes the average household being covered getting $20,000.
Average premiums, including both the employer and employee portions, were $4,704 for single coverage and $12,680 for family coverage in 2008.
So, we ALREADY spend (i.e. collect through taxes $20,000 per household. But the cost to cover a household through private insurance averages only $12,680.
There are 48 million (so they say) currently without medical coverage. 13 milion are illegal immigrants, leaving 35 million. Not all of those uninsured are unable to buy health insurance. Many chose not to. So let’s just put the amount of people who need help one way or another at a cool 100 million, or 50 million households. This gives us a working budget using the premiums we already collect of $16,100 per household, without spending a DIME more of taxpayer money.
Now that we have that out of the way…. my proposal…..
1. Leave medicare/medicaid premiums as-is.
2. Abolish medicare/medicaid programs altogether. Currently the fraud and waste level in these makes them WAY more expense than private health insurance.
3. Establish a voucher system for low income people to allow them to shop for and buy their own private health insurance, based on their AGI. Make it on a sliding scale. This money would NOT go to the people themselves, but would be directed to a health insurance company of their choosing.
Example (would have to be tweaked depending on household size)
Up to 75% of the poverty line: up to $15,000 per year pretty much 100% coverage. You can buy a stellar family health plan for that much.
76-100% of the poverty line: up to $7,500 per year.
101-125% of the poverty line: up to $2,500 per year.
>125% of the poverty line – nada.
If these people have some kind of employer paid coverage available, then that amount of money can be used to offset the employee contribution.
This would actually make money be left over, since not all households on medicaid would need the full amount. Then, make all health insurance costs, both premiums and out of pocket, 100% tax deductible and not subject to deduction limits. This would encourage people to buy their own.
I KNOW there are almost certainly bugs in this, but roughly speaking, this would accomplish the following:
1. Get rid of wasteful government medical coverage.
2. Get the government out of deciding what kind of health care you can/can’t have.
3. Make health insurance affordable to all. If you still have no health insurance with this, it’s because you just can’t be bothered.
4. Doesn’t cost ONE THIN DIME more than what we currently pay.
5. Does absolutely nothing to disrupt the private health insurance programs we already have.
If you’re a poor family with a $15,000 voucher for health insurance, companies will be tripping over themselves to cover you. Honest.
All statistics I quote are gathered from wikipedia, and the references are cited within those articles.
Thank you for your time.
——————
I’d like to know why anyone would oppose this. Please explain why if you do.
Nit-picking little flaws is not what I’m looking for. I’m sure there are plenty.
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