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Medical expense insurance has been around for about 90 years. Back then a 35 year old man had a projected life expectancy of late 40- early 50's, depending on the type of work he did. People got sick and died. Medicine was primitive compared to today.
Umm what?
Your life-expectancy from 90 years ago, was about age 60. And that was the average life-expectancy from birth.
The other great achievement in medicine, was in antibiotics. And about 90% of the improvements in life-expectancy came only from antibiotics and vaccines.
Most of the rest came from safer working conditions(especially people leaving the more-dangerous agricultural/rural/fishing work, to work in offices, and improving safety in factories and other industry).
Advanced medicine has actually had a pretty tiny effect on life-expectancy. And their gains have largely been offset because of our unhealthy diets/lifestyles, leading to obesity/heart-disease/diabetes/etc.
You mean people would have to pay for doctor visits, check ups etc. and pay attention to the actual cost of things? Oh the horror.
Sounds risky to have two parties do business without involuntary 3rd party government intervention. Just pay your taxes/forced insurance and move along.
st do away with insurance or make a universal health system. I say do away with insurance. In doing so have no more lobbyist in Congress and end taxes on various areas of healthcare
Individuals are taxed through paycheck for emergency/catastrophic care. Emergency and catastrophic care is for individuals need a life saving service, but lack finances to pay for it. Government will pay 75% cost of care.
niversal health care for those 65 & older. In addition to, the tax also covers universal healthcare for those in the military.
For those in the Guard, Inactive Duty, or Reserve not on Active Duty eligible to receive 50% off any health care services. In addition to, after discharge from the military based off how many years of active duty receive that many years of universal health care. So say you did 4 you receive 4 year's while no longer in the military. If you did 20 you receive 20. So if individual joins at 25 serves 15 years they'll basically be guaranteed universal care the rest of their life. Immediate family is covered for spouse and children 21 & under till 65 years old.
Veterans can receive 50% off cost of care at any VA facility.
Federal Government employees receive 50% off of care. Discounts for State/Local government officials determined at the State/Local levels.
End blocks on Medicare and continue to tax for Medicare. Set up a 6 year term limit for those on Medicare. Two levels...individuals who are homeless or unemployed can apply to receive 100% coverage towards healthcare cost. Individuals after 2 years have to pay 75% of cost and eligible for 4 years. After 6 years it's a 2 year wait to reapply.
Disability would be 100% coverage of care by the Government.
Tax to cover 75% cost of care for individuals who are in treatment of cancer.
End government funding to large pharmaceuticals, increase funding to smaller pharmaceutical organizations , and less red tape in regards to pharmaceuticals. In addition to, government control of cost for all generic medications.
Government covers cost of emergency abortions or special circumstances in regards to abortions. Continue to fund planned parenthood and adoptive services in the US.
Do away with patents on medical equipment and supplies.
Legalize marijuana. Place excess tax on marijuanna, alcohol, and cigarettes to fund universal mental health and substance abuse care. US Territories and Native American Reservations are exempt from this excess tax.
Healthcare providers make transparent what they provide and cost of various services. Vouchers are offered to assist with cost. Generic services for care would have a maximum cost set by the State residing to encourage competitiveness.
Tax rebates for those who don't smoke, obtain a physical every year, have a dental cleaning, and so forth.
Employers and other organizations can set up Health Savings Accounts for individuals.
Government program that pays for child care based off the percentage of annual income. For individuals making $120,000 a year or less. Example if individuals make a joint income of $120,000 a year and child care cost $20,000 that's 16% of their annual income. They receive 16% back based off the cost of child care so about $3,000.
Tax to pay for inpatient at non profit health facilities. Government pays 30% cost of care.
Healthcare is for all in the US. Tax discounts are for individuals who pay taxes in the US or US areas.
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What do you do with the indigent who lands in the hospital emergency room because he hasn't bought (and so not taken) the medicine that was prescribed for him?
What do you do with the person who comes into the hospital emergency room just because they don't want to pay for another service that might make a charge?
Do we change the whole way emergency rooms function? It was supposed to be the last stop for someone who needed medical help but could not pay for it; since then people are using emergency rooms as their primary care doctor.
As someone recently said, "Healthcare is complicated!"
Eliminating patents would likely slow innovation, and frankly, isn't fair to people/companies that find new cures/medical inventions. Many of these ideas sound like socialism...I'll pass.
What do you do with the indigent who lands in the hospital emergency room because he hasn't bought (and so not taken) the medicine that was prescribed for him?
What do you do with the person who comes into the hospital emergency room just because they don't want to pay for another service that might make a charge?
Do we change the whole way emergency rooms function? It was supposed to be the last stop for someone who needed medical help but could not pay for it; since then people are using emergency rooms as their primary care doctor.
As someone recently said, "Healthcare is complicated!"
No one is going to be denied emergency care at a non profit or private hospital. If the individual is not on Medicare or even with Medicare can't afford care they can apply for Emergency Care relief. That was where that tax goes for Emergency/Catastrophic care goes to. Initially universal care should be for individuals who seek inpatient care at a non profit hospital, 30% care covered at private hospitals, and 50% of care covered by the Government for Emergency Care for first 4 yo 5 years. That way it would give time for transition to this new system and help deflate prices at hospitals.
If an individual is on Medicare say a ER visit is $1,000 they would only have to pay $250. Maxed prices for generic services would be determined by various health representatives and lawmakers in their own State's.
Its harsh but I have thought maybe you could purchase moderate insurance that would have limits on expenses. Just for argument, say $5000 a year medical maintenance and $150,000 major medical incident. Anything over that and you have to pay out of pocket, or negotiate with the doctors and hospital on cost. If you cant work it out, sorry, you don't get the treatment, end of story. You live or die, as the case may be, with what ever ailment you have. The high priced treatments like heart transplants etc would only be done on the wealthy or doctors and hospitals would have to lower the cost.
Location: New Albany, Indiana (Greater Louisville)
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All insurance (health and auto) is wealth redistribution from the poor to the rich. I have paid probably $30,000 in car insurance since 1999 yet have made maybe $200 worth of claims for them to pay. It would be better for people to take out low interest loans to pay for damage in the event of a wreck. The fact that insurance companies have CEOs that make millions and can afford Hollywood actors for their commercials tells you all you need to know. Health insurance makes the cost of everything ridiculously high, if no one had insurance prices would be forced to come down. I prefer socialized medicine but banning insurance would be preferable to the garbage system we now have.
Even in your qualifiers OP, you demand others pick up the tab by paying more for services to provide some with free stuff. Do it right. Eliminate all health insurance including medicare, medicaid and the departments/agencies costing the health industry more money. Prices will drop drastically. Any and everything else requires stealing from your neighbor to pay for your health care, and that is theft.
If that were actually possible the insurers, hospitals, agencies would instantly begin a negative campaign of how health services would decline and people would die.
If that were actually possible the insurers, hospitals, agencies would instantly begin a negative campaign of how health services would decline and people would die.
They have us coming and going.
In fact that is exactly what happened when Hillary Clinton, during her husband's presidency, was given the task of coming up with a universal health care system. The insurance agencies spent millions on negative ads because this of course would mean the end of their lucrative business.
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