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Another Method to Achieve Universal Health Insurance [View All]

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dtotire Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Aug-09-08 09:56 AM
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Another Method to Achieve Universal Health Insurance
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Edited on Sat Aug-09-08 10:28 AM by dtotire
I have written an essay for another method of Universal Health Insurance, that would be more achievable than a single-payer plan. I am non-comittal on the final form.
This is it:

Conservatives generally oppose single-payer health insurance, but some would support the same health insurance plan that is provided for Congress and Federal employees. Under this plan, you can choose from an number of fee-for-service plans or HMOs. Employees pay a certain amount, and the Government picks up the rest. Under the Blue Cross standard family plan, the employee pays $314.47 monthly, and the Government pays $713.48 For the California HealthNet HMO, the employee pays $221.45 for the family plan, and the Government pays $664.35. Single payers pay considerably less. Rates for the plans and brochures can be found on the internet.

These plans all differ in their co-payments and deductables. The providers cannot turn down anyone who enrolls, which is a plus. I believe that the insurance companies would not object to this type of universal Health Insurance, and it could be passed easily.

If we adopt this method, everyone would be required to enroll in a plan, and families and individuals below a certain income would not have to pay anything. (Perhaps the states could help out.) The insurance providers would have to be more strictly regulated by the Government, and profits should be limited. (In Germany, the providers are non-profit.)

To fund this method,or any other method, we should adopt a dedicated consumption tax. such as a value-added tax. The advantage of a consumption tax is that it would be rebated on all exports, which would make American businesses more competitive, and create jobs.

A single-payer plan might be more efficient and cost less to administer, but if there is difficulty in passing the required legislations, the Federal plan could be adopted. Insurance companies would still be in business. However, the Doctors who provide service would still have to deal with multiple insurance companies, which is a burden to them.

This is the web site that give the rates:

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