The Best Healthcare Plan - The Kerryesqe Plan

[GHook93]

The government provides universal healthcare, but with a large deductible (I think Kerry had it at $20K)! Meaning after you TOTAL fees exceed the deductible the government pays the rest. So you get private insurance to pay for the rest! My plan is to do it by age.

Age: Deductible Reason
Birth - 2 $1K Its a very crucial time and too many unknowns
2 - 25 $10K Tends to be very inexpensive time statsitically
25 - 40 $20K Tends to still be an inexpensive time
40- 50 $30K Tends to be the expensive time
50 - 60 $40K Tends to be a very expensive
60 - 75 $50K Tends to be very expensive especially if dying
75-80 $8K Partial Medicare kicks in with a lower deductible
80+ Full Medicare

Side Note:
(1) Illegals are not covered at ALL! Hospitals are instructed to credit immigration status and only provide service if the illegal is in critical condition. Are stabilizing the illegal prepare the illegal for deportation.
(2) Medicaid is still there helps lower the deductible making insurance less expensive.
(3) The Obamacare preexisting eliminator is still into effect.
(4) Buying across statelines is acceptable


So how the program works is the consumer purchases private insurance, but the insurance companies liability is up to the deductible amount. Meaning, for example a 22 year old would have to responsible for the first $20K in medical bills that year. Therefore he/she purchases private insurance, where the max liability to the insurance company would be $20K. The govenment covers anything beyond that. This would keep insurance costs very low, esp for younger people. While still getting the benefits of the private sector running the system. Statistically speaking very very few people would exceed the deductible!

 

[Common Sense]

my question is how is the government program funded? if we still purchase private insurance, yet they are only on the hook for a potentially small amount, how does the government win in this situation? they are simply acting as a reinsurer and limiting the expose of the private HC companies.

we would be paying the government, who would then be paying the actual costs to private insurers? or would we be paying private insurers who would then have to purchase supplemental coverage from the government? or this all being paid through taxes?

what is being proposed is similar to the deal that oil companies got for large scale oil spills. BP only has $75 million worth of expose to the spill in the gulf, and the government was on the hook for the rest of the bill. potentially hundreds of millions. im not sure this is a viable plan either.

 

[GHook93]

my question is how is the government program funded? if we still purchase private insurance, yet they are only on the hook for a potentially small amount, how does the government win in this situation? they are simply acting as a reinsurer and limiting the expose of the private HC companies.

we would be paying the government, who would then be paying the actual costs to private insurers? or would we be paying private insurers who would then have to purchase supplemental coverage from the government? or this all being paid through taxes?

what is being proposed is similar to the deal that oil companies got for large scale oil spills. BP only has $75 million worth of expose to the spill in the gulf, and the government was on the hook for the rest of the bill. potentially hundreds of millions. im not sure this is a viable plan either.

I believe medicare costs $700 bil and medicaid/Chips cost $500 Bil. So tax dollars and Federal budget. The goal is to keep the main structural advantages of the private run healthcare system, but reduce the cost to consumer, because the insurance companies don't have to factor into their costs the large profit destroying medical bills and injures!

 

[GHook93]

Is that currently premiums must take into account the catastrophic cases. They do it by preexisting conditions and unforeseen occurrence. With this plan their exposure is limited, their risk is limited and calculated, but the patient is let out in the cold (nor does the hospital and doctor have to work for free), because the government picks up the bill for these rare cases.

Benefits:
(1) Premiums low and afford for everyone
(2) The Federal Budget going to healthcare, medicare, CHIPS and medicaid will go down SUBSTANTIALLY
(3) No preexisting eliminator
(4) Healthcare coverage for people with those catastrophic cases, where the hospital gets paid and the patient receives coverage without the unpayable medical bills
(5) Removing healthcare from the employer based system, taking away a HUGE disadvantage US corporations in the global economy!