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Non-Tech : Kirk's Market Thoughts

COHR 178.06

+2.8%

Jan 9 9:30 AM EST

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To: kimberley who wrote (6279)	10/20/2018 12:26:55 PM
From: robert b furman	2 Recommendations Recommended By Ken Adams kimberley Read Replies (1) of 27007

There is a clear better solution that is already in place. During George H Bush's presidency,he allowed the state of Wisconsin to do a pilot on Heath Savings Accounts. The typical Wisconsinite is a trades worker or factory worker. In particular those groups broadly embraced HSA's. Banks allowed these accounts to be electronically deposited from a worker's paycheck - ON A TAX FREE BASIS. This empowered the individual to choose how his health care monies would be spent. It made Doctors price their services as well as Hospitals. What does a blood test cost. What does a MRA cost? These accounts amassed huge balances over the years. Medical record need to be digitized. Doctors services need to be competitive - including allowing a physician's assistant to be empowered to write prescriptions for typical seasonal sicknesses like influenza. It does not take the skill of a Doctor to write 100 prescriptions a day for a decongestant and some form or substitute for an antibiotic. When Doctors post their rates for their services - we'll see cost drop. Just as insurance companies post doctors with in their system, they should post reviews from patients about the quality of service offered. When the disaster of Obamacare came in - many had the money big deductible already saved in their HSA account. The big largesse that comes about with Obamacare is it offered to all and then subsidized by the poor. Healthcare is not a right! Health care is a very important issue / benefit. I know many who still work (with more than enough assets to comfortably retire) In short ,they work to retain their healthcare benefits. To make it free or subsidize it for the poor - is a political freebee trying to buy votes. That's where it gets overpriced! If we keep giving food stamps and healthcare as a freebee, how do we ever change the systemic problems our urban areas are blighted with? We are rewarding derelict behavior. Get a job, put away some money (tax free) so you can afford to buy your own healthcare as you see fit. It should then be coupled with a nationwide (not restricted by state lines) catastrophic policy that is optional for each individual to purchase with their HSA money. Pre-existing conditions should not be excluded from eligibility. Wellness should be rewarded with a discount on the national cost. If you smoke no discount. If you drink no discount, if you are obese no discount. A healthy person with excellent wellness habits should find 3-4 discounts and the policy would be quite reasonable. If you don't work and don't save in an HSA,and get sick - you might just die or spend a lot of your assets to save yourself. No TOTO ,this is not Kansas and life/health is worth working and saving for. Let's get real and not go broke with corrupt politicians lying to us about healthcare being a right. "It will save the average family 2500 a year". "If you like your doctor you can keep your doctor." were all blatant lies said to pass a corrupt and poorly written law. Throw the bums out and let's at least speak frankly about health and how to be healthy. There is no such thing as a free meal in life!! This is America - let's get cost savings and competition into our healthcare system ASAP!! jmho Bob A

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