Everybody has their opinion and here's 2 cents worth from this end, neither wrong or right, but something to ponder...BD
Healthcare for is the United States -The question is where do we find a bank that can finance our entire Healthcare.
The government doesn’t seem to have enough, the insurance companies don’t seem to have enough, so where we go?
The only source of income that would touch everyone would be a federal sales tax provided to cover U.S. citizens for health care. Everyone would pay, citizens, tourists, illegal aliens, as nobody would be exempt and this could be the largest pool of available money ever created. At least this way I would know the person in the ER that is perhaps a tourist or not a citizen, at least donated something along the way.
Doctors and hospitals alike would be paid from the fund, this eliminating who gets care and who doesn’t. Let the insurers run the program and take them out of the insurance business as we know it today, wouldn’t need Medicare for that matter. The administrators (former insurance companies) could go to Congress to get additional funding as needed in the form of a tax hike with additional voter approval. We would really have a say in the quality of our health care here. Each one would have a budget to administrate.
Also, let the former insurance companies negotiate with the drug companies on which drugs will be included in the area they cover and allocate a budget accordingly. They would also benefit with not having to need a collections arm as the distribution from sales tax pays the bills
Still allow an arm of marketing for insurance companies (now called administrators) to sell travel insurance, and even allow them to sell reasonably priced “mal practice insurance” to the patient if desired prior to surgery so in case there are issues, you have the legal money as a patient for a “real” case and not just cases to dig in to deep pockets.
Everybody is covered with the exception of elective surgery types, the same as today which we pay for, such as plastic surgery. Every citizen can change plans as desired as long as a demographic balance is kept and employers are off the hook to provide insurance as well.
The administrators have compliance departments too, which would have to go along with the plan, but this way you have both government and private industry involvement and voters with a say. I’m not a big proponent of taxes, but compared to what we have today, a few extra pennies to guarantee I get health care is a small price to pay and we are done with having to determine who can and can’t afford it and the folks that determine whether we get care or don’t get care.
Very simplistic plan that would need a ton of fine tuning…but perhaps some basic thoughts....
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