Quote:
Originally Posted by Goodnight
So we can dsmiss those with a preexisting conditions as collateral damage because they are only a small percentage. Strangely Trump claimed he supported this while at the same time suing for removal in the courts. Evidently quite a few people used the ACA without being forced. So what’s your option for healthcare if the ACA disappears.
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Interested in why you think it's an all or nothing equation?
I have my own ideas, but nobody listens to me lol.
1. Healthcare co-ops.
A group of individuals join a co-op that is served by a physician or group of physicians. They pay a monthly fee for the service but never pay any extra when they actually go to the doctor. Admittedly, this would probably only be useful for routine medical care and things like tests and minor surgery.
2. Healthcare savings accounts.
This would work much like social security, in that you would start contributing to it when you start working and it would follow you from job to job your entire life. Tax free in and out.
You decide how much to contribute but it can only be used for health care expenses or retirement.
If you pass away with money still in your account, it automatically goes into your family's accounts or into a general fund for the truly indigent.
3. A hybrid system.
A hybrid system would mean that individuals are responsible for their own basic healthcare needs such as office visits, prescriptions and minor or elective surgeries through traditional means such as employer-provided health insurance and the above described co-ops and health care savings accounts etc.
While the government, through a Medicare like system, would be responsible for more catastrophic illness, pre-existing conditions and major surgeries.
Both systems used together would result in lower costs across the board because each individual system only takes on part of the overall healthcare costs.
Individuals and insurance covering the low end and government covering the high end.
Traditional policies could still be available for those who wish to have them.
4. Encourage focus on reducing the actual cost of healthcare instead of worrying so much about health insurance.
It's always been rather perplexing to me how every other industry seems to be able to reduce their costs over time as technology gets older and improves......but healthcare can't seem to figure out how to do that.
Provide tax incentives for providers to lower costs of testing equipment and drugs etc.
......After all, people wouldn't be so dependant on insurance if healthcare wasn't so bloody expensive in the first place.
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