Friday, November 01, 2013

Is this a plan?

Let's think about this issue logically.

#1: Desire for Single Payer Universal Healthcare Plan:

But, how can you get there....?

 #2: "You don't want to let a good crisis go to waste....."

So let's review:

                       Single Payer Universal Healthcare 
                   + "Never want to let a good crisis go to waste"
                       Purposefully Created Crisis?

Or maybe it's easier to think of it like this:

                     "Never want to let a good crisis go to waste"
                   + Purposefully Created Crisis                                                
                      Single Payer Universal Healthcare

I'm just sayin'....

Really, might it not be helpful to create a crisis?  

So what to do about this?  Well, an election is coming up next year in which it is possible to take control of the U.S. Senate and reinforce control of the U.S. House of Representatives.  At that point, they could greatly curtail the further implementation of Obamacare through various procedural & budgetary methods effectively neutering the law until a GOP President can be elected in 2016.  

With both houses of the US Legislature and the Presidency the GOP could then undo Obamacare and implement free market based solutions.

The solutions are actually quite simple:

1. Allow selling of health (and all) insurance across state lines.

2. Eliminate the "minimum coverage" requirements imposed by Obamacare allowing people 
    to pick & choose what coverage they want.  (i.e., 57 year men should not be required to 
    cover maternity or fertility insurance.)

3. Reinstitute Health Savings Accounts where you can receive tax deductions for putting 
    money into HSA's to cover healthcare costs in the future.  

  • These should be available for   every person from birth, so parents could fund accounts for healthcare use later in life.
  • Proof of maxing out HSA's would reduce payments for Medicare withholdings.
4.  Means test Medicare.  Those people who have been responsibly setting aside money for 
     their care should receive less benefits, especially if they've contributed less to Medicare.

  • These last two (#3 & #4) effectively allow people to "opt out" of Medicare.

5. Take away a business tax deduction for healthcare insurance expenses and give that tax 
    deduction to the individual.  

  • This effectively makes every person a healthcare insurance consumer.  Imagine what would happen to insurance prices when insurance companies  could sell across state lines (increasing consumer choice) to a market that is immediately many times larger (individuals vs companies).
6. Tort reform limiting liability for medical malpractice.
  • This would reduce the malpractice insurance of doctors and therefor their costs which would reduce costs overall.  It is after all called "practicing" medicine for a reason. While there are egregious cases were patients and their families need monetary  compensation, there need to be some realistic caps.
7. Expand Medicaid as a safety net for those in true poverty.  

There are, of course, more things that would help.  But, ultimately making the purchase of healthcare insurance and the decision of how much insurance they want to purchase, the responsibility of the individual you are restoring their liberty. 

Those who would give up Essential Liberty to purchase a little Temporary Safety, deserve neither Liberty nor Safety.  - This was used as a motto on the title page of An Historical Review of the Constitution and Government of Pennsylvania. (1759); the book was published by Franklin; its author was Richard Jackson.

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