Health Care.
My fellow Americans,
This issue is a big issue to be sure, as Obama Care, as it is titled, is so full of flaws, it must be repealed.
The solutions I propose would be of several options.
1) Allow the Federal Government by constitutional Amendment, to regulate the Health Care industry, and so, just like all other forms of Insurance, regulate the charges, and pay outs, and be disputable in court.
Meaning strict PRICE CONTROLS, and limits on behavior by these insurance carriers.
2) Simply to expand Medicare to cover all, via taxation on income taxes, based on employment, and so offset the costs to the un-employed, or un-employable.
3) To offer REAL INSURANCE... instead.. of HMO.. managed care. which charges a fortune, but provides as little service as possible... Hence the problem.
By REAL insurance, I mean as Car Insurance.... accident insurance... which will not pay for minor things, like doctor visits, for colds and the flu, or minor problems, and only kicks in, after a threshold of cost, is reached in the need for treatment... such as in the case... of operations, and long hospital stays.
The fact is, the people, most people, the poor, do not want, managed care, by an HMO, which rip's them off, and offers them very little... and what they truly want... is extreme circumstances INSURANCE... to be able to pay for services and operations, AND long hospital stays which may cost 1000's of dollars....
I propose to offer this insurance to all, in the form of low cost taxation on employment, which would guarrantee coverage for all Americans, in the case of important needed coverage, such as when they need surgery, and services, which the HMO's are not wanting to pay.
In this way, all, HMO's, will be forced to lower their charges to all covered, as they, no longer are liable for the extreme costs of surgery, and would instead, be regulated... key word... REGULATED, to offer the day to day services of routine check up's, and doctor visits, without the risk, of excessive payout's for extreme health cases, which would then be covered by a national EMERGENCY plan, covered by taxation.
This plan, however, would be by choice, and added to the w-2 Tax forms that all workers use, and so, would be voluntary, and as such, would be based on the wisdom of the individual worker, to pay in or not.
This would mean, nothing is forced, and under voluntary status, would allow all workers to choose.
They could, as such, still receive Health Benefits, from their employer, if they choose but would offer a lower cost method to ASSURE their extreme costs, in extreme cases, would be covered.
This allows, the HMO's, to stay in business, but with a lower profit margin.
AND.. allow universal EMERGENCY COVERAGE for all American workers, AND EVEN THE UN-EMPLOYED.... via... voluntary willing taxation, without ANY MANDATE.
Some argue that they do not want to pay for another persons coverage, but as described....
There would be no un-employed, other than house-wives, or the elderly or extremely crippled.
Therefore, with the end of all welfare programs, and near zero un-employment, all people would be paying in, and those who do not choose to pay in, would be left with either their HMO coverage which is limited, or they will be saddled with long term debt, which they would then have to pay over time, which is fair.
-Mosheh Thezion
