HIghDEA #1: Health Care Reform

I smoked a bowl and was thinking about our health care system.

I think the key to making government-insured health care work is through a transition by consumer demand.   McCain was right about moving health care benefits away from employer-sponsored plans:  give tax breaks/credits to those that do move away from employment based insurance.  BUT:  this will then raise premiums for people with pre-existing conditions or ill health that are dependent on current plans.

To compensate for this, the government  should create a baseline guide for insurance encompassing premiums/deductibles/co-pays.  Those with shitty primary plans that fail to meet the all of the criteria, will qualify for a cheap, single-payer co-pay assistance plan as secondary insurance insurance.  Those that have this co-pay assistance will, after one year, qualify for a premium deduction for a Medicare buy-in.

It will keep primary, private insurance costs in check, and fix the problem of people feeling like they don’t have a choice.

The main problem with this plan, as always, is funding… I need to buy another eighth and read about the economics of health care.

One thought on “HIghDEA #1: Health Care Reform

  1. So the best way to move health care benefits away from employment based insurance isn’t to give tax breaks to those people that do move away, since we already give tax breaks for people who get their insurance through their employer. Simply removing these tax breaks would be sufficient. Actually, the ideal plan would be to make the tax breaks for non-employer plans better, otherwise there is no reason to switch.

    As a result, premiums would likely either stay the same or actually decrease because of increased competition.

    And honestly, people don’t really have a choice. Various state regulations make it incredibly hard for a national insurance company to compete in a national way. That’s why auto insurance works: compare, for example, Allstate, which can be a national company with branches selling across the country, as opposed to BlueCross BlueShield, which incorporates separately in each state because they all have different rules. That’s the real reasons costs are so high. Anything else is just American’s inherent higher demand for healthcare (ie, we prefer more healthcare than other nations, like we would get MRIs after a concussion whereas other people would be fine without getting them).

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