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Politics : View from the Center and Left
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To: Lane3 who wrote (51766)3/5/2008 10:09:01 PM
From: rich evans  Read Replies (1) of 542201
 
A middle way is to require everyone to have catastrophic medical insurance- with $2000 deductible. Then coverage begins at 80%- after paying another $3000, - you reach stop loss and insurance pays all. This is a standard catastrophic insurance policy. Do not use comprehensive insurance as Mass and other have tried. This will bankrupt.

Then health becomes like shelter, food, cars etc. Your responsibility but You get insurance for catastrophic events.

You set up taxfree health savings account of $2000 a year to cover the deductible or larger to get the copay. Everyyear what is not spent is released to the owner. Encourgages proper use of health services. Employers could do this like 401k or do matching funds etc.

The insurance companies could design policies, not the gov . Different policies for different situations-pregnancy, mental health, drugs, acupuncture etc and different costs of course. A minimum policy would be required by law.

The insurance companies would be the ones holding down costs under their prenegotiated rate methods. Which they do now. Drugs thru insurance are much cheaper. Operations -hips, knees, lungs,-you name it - are aboiut a third of the cost thru prenegotiated rates. Doctor visits are about 1/2. Keep it away from medicare rates though and the gov as that is one huge mess and much to cheap payments.

This is my middle ground. Not my Idea. The Swiss system.
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