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Instead of government controlled healthcare, what if people formed clinic pools.
For example, instead of the 8 minute rush the cattle through the door appointment system under benevolent insurance (sarcasm noted), consider that a pool of people prepay for the services of the physician, etc.
To wit, 8 hour work day, 5 day work week, 50 weeks per year, half hour appointment= 4000 units of service per year per PHYSICIAN.
4000 people prepay $100 for access to those units.
$400,000.00
No insurance paperwork. No administrative overhead. No bureaucratic rules.
Need more? Pay for it.
Don't use what you paid for?
Get a credit, posted to the next year.
(The physician is also free to offer his services to those outside the pool, for whatever fee he considers equitable. But prepaid members get priority service.)
Of course, the relative costs are dependent on the presence or absence of taxes.
I would guess that post-Socialism, the relative buying power of any money token would increase, but I may be mistaken.
And this is being done all over the country by a small number of docs fed up with the medical payment systems. DPC direct primary or payment care, and Concierge care. Or hybrid practices combing one of these with conventionally paying patients.
There are some problems of course. The largest being that this does not include hospitalization. And may or may not cover referrals, specialty docs you might need and/or not pay for necessary testing and treatments. Although many do include some basic stuff.
One reason this pathway is emerging is because of such high deductibles on most HC plans these days. You might find it cheaper to pay the DPC doc as well as keep your regular insurance. Especially if the doc offers discounts on testing like MRI.
I support an out of pocket only medical care. Currently economy, cost of goods, and cost of services makes this impossible.
I work in healthcare and hope one day Medicare and madicaid can be done away with, really hinders the effectiveness of healthcare providers.
Only solution can think of is State run health insurance where two solutions: 3 tiered insurances where individuals can select pay monthly installment payments. Not forcing individuals to have health insurance; must ensure they can pay for their own health care and take responsibility if have to pay for their own care.
2nd option is Statw Run Universal Care where indivuals are taxed based off of inflation cost of healthcare in the State. In addition to, non profit and state run health services have a set maximum of cost for goods, but no minimum to ensure competition and lower cost of services. Private healthcare providers can dictate and gave their own say in cost of services.
Only issue I can see though is a lot of health insurance providers out of jobs.
I be content if market was simple as can buy into insurances with a State regulated maxium cost on services and medication. The insurances were distributed by the State and not the Employer.
No one is mandated to receive insurance, but must take sole responsibility of paying bills and outside of emergency care can deny care to individuals who have outstanding medical debt owed to them.
Those on VISAS and Immigrants pending citizenship without insurance can risk deportation.
Then at the end of the year vouchers to those being the primary one under the insurance by the State. Vouchers would be 75% of your money back based off a number system that you can voluntarily participate in that tracks your health.
Example have a gym membership 5 points added on
Work 20 hours or more a week 10 points added on
Haven't smoked in a year 20 points
In 6 month's 10 points
So on and so forth
The state can set up clinics November through December to get a check up and show documentation to receive points.
So if you get 50 you get 50% back, 20 20% back. Be a good way to encourage us to not only work, but be healthy.
In reality, the drive or impetus for any form of government paid healthcare is by those in the healthcare industry to confiscate unlimited funds from their "clients" having no relationship with what the client can afford or what the client feels is a reasonable rate. Having government pay, is virtually a blank check so that those in the healthcare industry remain superior to the lowly humans that they serve. They have absolutely no interest whatsoever of being in a free market dictated by the economic reality and their relative worth to their clients. No surgeon's life is worth say the lives of seven "regular" people for example (if looking at average earnings). "Leverage" is not "value". If that were the case, armed thieves would be worth more than their victims. But then we are in a "society" that values "leverage" and "predation"...relax, just an opinion...
In reality, the drive or impetus for any form of government paid healthcare is by those in the healthcare industry to confiscate unlimited funds from their "clients" having no relationship with what the client can afford or what the client feels is a reasonable rate. Having government pay, is virtually a blank check so that those in the healthcare industry remain superior to the lowly humans that they serve. They have absolutely no interest whatsoever of being in a free market dictated by the economic reality and their relative worth to their clients. No surgeon's life is worth say the lives of seven "regular" people for example (if looking at average earnings). "Leverage" is not "value". If that were the case, armed thieves would be worth more than their victims. But then we are in a "society" that values "leverage" and "predation"...relax, just an opinion...
I'm an anarchist so I'm probably "worse" when it comes to "making policy" which in reality is a misnomer.
Free market on both ends.
Successful free markets need rule of law and some central controls. Otherwise it would be like the dark ages or Zimbabwe. Maybe freer markets, just not very useful for the majority in our civilized and more globalized world.
Successful free markets need rule of law and some central controls. Otherwise it would be like the dark ages or Zimbabwe. Maybe freer markets, just not very useful for the majority in our civilized and more globalized world.
Central controls and rules (other than the non-aggression principle) make "free" markets impossible. Central controls and rules are ALWAYS created to initiate force for the benefit of some to the detriment of others. A free market relies only upon free voluntary exchange. Anything else is just a system of slavery that benefits only those who are the central planners or those that write the rules...
Central controls and rules (other than the non-aggression principle) make "free" markets impossible. Central controls and rules are ALWAYS created to initiate force for the benefit of some to the detriment of others. A free market relies only upon free voluntary exchange. Anything else is just a system of slavery that benefits only those who are the central planners or those that write the rules...
IMO a big reason we don't put many libertarians in high office.
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They have absolutely no interest whatsoever of being in a free market dictated by the economic reality and their relative worth to their clients. No surgeon's life is worth say the lives of seven "regular" people for example (if looking at average earnings). "Leverage" is not "value". If that were the case, armed thieves would be worth more than their victims. But then we are in a "society" that values "leverage" and "predation"...relax, just an opinion...
