Discussion in 'Politics' started by Dr.Drock, Feb 15, 2012.
What do you think is the best way to handle healthcare?
The biggest problem with the current health care insurance system is that plans are tied to employment (for the vast majority of people) and the entanglements that causes because if they loose their jobs they loose their coverage (and no most people that loose their jobs can't afford COBRA because they have to pay the full premiums) and it changes the market dynamic because its not the individual consumer that is doing the shopping.
Maybe the employer provides (if they choose) a "health care stipend", from a business perspective they get the deduction as a business expense. The individual takes the stipend and then uses it (along with some of their own money) to purchase an individual plan or other independent group plan (I'm think through a religious organization, civil organization, professional organization, union, credit union, etc...). The employers W-2 indicates the amount of the stipend. The insurance company issues a statement like mortgage companies with what your insurance premiums were. Both amounts go on the tax forms and any stipend received which is not spent on insurance is charged as income.
This puts the power of choosing a plan back where it belongs and makes it the individuals responsibility.
Always the free market. Healthcare problems in the US today stem directly from subsidies, insurances that are mandated through regulations and a host of other govt. involvement that drives the costs through the roof. Just like every industry that govt. touches.
I agree with WorldWatcher, employer provided health insurance is a big part of the health care cost problem. Take it away and increase employee pay commensurate with the savings the employer realizes from not having to pay insurance benefits, then let the individual buy health insurance the same way they buy car insurance. If necessary, give the individual a tax credit for health insurance.
Secondly, raise the retirement age. We are living longer, we should be working longer. Working five years longer would mean we would be paying into the Medicare system five years longer and drawing from it five years less. This would be huge savings.
There are many other things which need to be done along with these things. There is no single magic bullet which will cure the problem. For instance, one third of all uninsured never finished high school. So an obvious facet of the solution must be to raise the high school graduation rate so that we have a better educated workforce more capable of supporting itself.
The uninsured problem is not as big as the "47 million uninsured Americans" lie would have you believe. For one thing, about a third of those "uninsured Americans" are not Americans. They are immigrants, legal and illegal.
For another, the people who are uninsured today are not the same people who are uninsured tomorrow. Many of the uninsured are those who lost a job that provided insurance, but they are re-insured when they are re-employed. So for many people, being uninsured is a temporary problem and not the permanent one implied by nanny state proponents.
Since the problem has been grossly exaggerated and mis-identified, any solutions based on false premises will naturally fail to solve the actual problem and create an even more bloated, impotent government.
The problem is smaller and more easily managed than advertised.
Separation of gubmint and medicine, including but not limited to:
Privatization or outright abolition of the FDA.
Removal of all tax breaks for employer-provided insurance.
Devolve to the states or privatize Medicare/Medicaid.
Enforce the commerce clause, properly for a change, and make medical insurance a free field of interstate commerce.
10 free market and none for the others, I'm a little surprised given the majority political view on this board.
Free it up, to the point people can go on-line and buy their own insurance.
Free market with reduced regulation.. opening up for more competition....
Nobody wants Obamacare? I do NOT wonder why!
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