Written by Edward Bradford   

Health Care in America

The only universal health care system I know of that worked was the US before the 1960's. No one was refused care then. I'm not sure such a simple system would work today. I am certain that when you have vote buying as a major factor determining which health care services the government will pay for, you have a very bad situation.

We're I in charge of dictating a solution to America, for all 310,000,000 American citizens I would:

1. Require all to put 4% of pre-tax income into
a personal health care savings account.

2. Put 1% of pre-tax income into catastrophic
health care insurance that is guaranteed to
be issued from private insurers and has a
$4,000,000 lifetime limit (I’m not sure about the
actuarial issues on the upper limit. Today,
$4M covers everyone I think).

3. Not tax anything spent on health care
including vanity healthcare (contacts,
boobs, tucks, etc)

4. Give each health care account overdraft
protection guaranteed by state governments,
and ultimately the Federal Government.

5. All preventive and expected care would be
paid by the individual to the doctor directly
from his or her health care savings account. No
insurance forms would be required. That would eliminate
all benefits managers from doctors and dentists offices.

6. Write the law so it could NEVER become any
form of pay as you go scheme like today's
unsustainable Social Security scheme.

I might have missed something, but if those 6 things could become the infrastructure of the health care business, most of America's health care problems would disappear. I can think of no problem ostensibly addressed by PPACA, Medicare or Medicaid that would not be better addressed by those 6 items.

With such empowerment, ObamaCare, Medicare and Medicaid would be eliminated as well as most of the “health insurance” industry. When a government empowers individuals, America wins. When a government uses price controls to try to run the health care economy people die.

SUMMARY:

Here is what the uninformed American would see:

I need to go to a doctor for this pain. I call the
doctor of my choice, make an appointment, go to the doctor
on the appointed date, we (me and the doctor) figure out
a therapy, as I walk out of the doctor’s office, I pay
with cash or a check and I am done. I do that as often as
I need to. “I” am any of 310,000,000 Americans.