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What can we do that will be palatable to everyone? Does everyone at least agree that there are some fundamental problems? Here are the issues I want to see fixed from where I sit:
1. Provide a less expensive option to continue coverage between jobs.
2. Do away with pre-existing conditions altogether.
3. Find some way to reduce costs so that our premiums don't keep increasing 20-30% each year.
4. Do away with lifetime maximums.
5. Lower cost coverage for out of network benefits in cases of severe (not routine) disease and injury.
Can we have a partisan-neutral discussion of what the problems are and some ideas to fix it?
1. As long as you understand less expensive will means less services or quality.
2. If insurance is maintained, you have to have a pre-existing condition clause. I say remove insurance and pay straight for services.
3. Why do premiums increase? Knowing this may steer us in the right direction.
4. See #2 - remove insurance (except catastrophic) and government (unless help is requested).
5. Lower cost in one area will mean higher costs in another area. What do you want to raise?
Add in tort reform. Maybe a lawsuit max scale based on the type of malpractice that would occur.
What can we do that will be palatable to everyone? Does everyone at least agree that there are some fundamental problems? Here are the issues I want to see fixed from where I sit:
1. Provide a less expensive option to continue coverage between jobs.
2. Do away with pre-existing conditions altogether.
3. Find some way to reduce costs so that our premiums don't keep increasing 20-30% each year.
4. Do away with lifetime maximums.
5. Lower cost coverage for out of network benefits in cases of severe (not routine) disease and injury.
Can we have a partisan-neutral discussion of what the problems are and some ideas to fix it?
If the hardcore Pelosi followers do not want to negotiate they will pay the price. No health insurance reform at all.
2. I am not for pre- existing coverage across the board. There are many peole who engage in things that are not safe for their health. The rest of us should not have to pay because of their choices.
So would you approve of using some type of tax advantaged savings mechanism, similar to an HSA or FSA account, and then we use those funds to pay our medical bills? You'd have to have a catastrophic type of insurance coverage to kick in at some point because Americans are terrible savers.
2. I am not for pre- existing coverage across the board. There are many peole who engage in things that are not safe for their health. The rest of us should not have to pay because of their choices.
agreed, but what we have in place right now isn't working. So how would you change it?
Get rid of insurance. Stop trying to make an insurance bill and get a health care bill.
Ok but see this idea is interesting...I have employer paid health insurance and I don't pay one single penny except for prescription drug co-pays. No premiums, no doctors visit or hospital co-pays. So if you take that employer paid benefit away from me and give it back to the employer, I've lost something....like $18,000 annually worth of insurance premiums and medical costs covered. So is my company going to put that in my paycheck or their pocket?
Get rid of insurance. Stop trying to make an insurance bill and get a health care bill.
Sure would be nice, but unfortunately I think we can only work within the confines of our for profit masters (if we like to admit it or not.) That is the sad reality.
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