The debate on health care does not need to be this complicated

Discussion in 'Politics' started by Maple, Sep 15, 2009.

  1. Maple
    Offline

    Maple Senior Member

    Joined:
    Mar 15, 2009
    Messages:
    4,674
    Thanks Received:
    568
    Trophy Points:
    48
    Ratings:
    +568
    Everyone knows that the health care INSURANCE needs reform. But a national take over with the public option or co-ops is just not necessary, both would cost the taxpayer and run up our debt astronomically. Both plans are approaching 1 trillion dollars. You can bet that's a low ball estimate.

    Now they are debating a bi-partisan bill in the senate and they are already fighting over making it mandatory that everyone purchase a health insurance plan. If a family of 4 opts out of buying their own insurance they will be fined $3,800 a year.

    Better solution.

    1. Tort reform- the cost of mal-practice insurance has increased 1400% over the past years. 85% of physicians in states where there is no tort reform practice defensive medicine. On average a physician pays 100,000 per year for mal-practive insurance, these costs are passed back onto us, the consumer, in the form of higher fees for service. All this would do is put a limit on compensation.

    2. Open competition- you should be able to purchase health insurance across state lines, there is no reason that an insurance company locks up one state. Competition drives costs down. You should be able to pick and choose your plan as easily as you do your car insurance.

    3. Mandatory- if you are not covered you should be required to purchase an individual high deductible major medical plan. These plans are inexpensive but they cover catastrophic losses. It is estimated that 15 million people can afford health insurance but they choose not to purchase it. They end up in our emergency rooms and the rest of us get to pay. The poor can be subsidized.

    4. Group- small business- Small business employs 76% of Americans but there is no plan that they can join. They are forced to either not cover their employess or pay outrageous premiums for coverage. Most choose not to cover.

    5. Pre-tax health savings plans- these are pre-tax dollars that can be set up in cafeteria plans, for people that are not covered by their employer, but have an individual major medical plan. They can use it for doctor's office visits, medications, dental visits etc. At the end of the year should they have money left in that account they can keep it and spend it on what they want.

    6. Pass legislation requiring insurance companies to cover pre-existing conditions and legislation that should you lose your job, you can be covered under you old plan for a specidied amount of time, enabling you the time to pick the castastrophic plan that best fits your needs. Car insurance covers you for a specified amount of time should you forget to renew, why not, health insurance.

    Health insurance is important to all of us, I just don't see why it needs to be so complicated, this can all be done through legislation.
     
    • Thank You! Thank You! x 1
  2. Big Black Dog
    Offline

    Big Black Dog Gold Member Supporting Member

    Joined:
    May 20, 2009
    Messages:
    22,930
    Thanks Received:
    5,118
    Trophy Points:
    260
    Ratings:
    +5,757
    The Democraps are taking health care reform much further than just plain old reform that the health care industry needs. They are attempting a power grap in addition to the health care reform. They want the government to have control over every aspect of your life.
     
  3. VaYank5150
    Offline

    VaYank5150 Gold Member

    Joined:
    Aug 3, 2009
    Messages:
    11,779
    Thanks Received:
    1,047
    Trophy Points:
    138
    Location:
    Virginia
    Ratings:
    +1,055
    Did you write this all by yourself?
     
  4. Maple
    Offline

    Maple Senior Member

    Joined:
    Mar 15, 2009
    Messages:
    4,674
    Thanks Received:
    568
    Trophy Points:
    48
    Ratings:
    +568
    Yes, and if you have any ideas that won't end up bankrupting the country, please contribute.
     
  5. logical4u
    Offline

    logical4u citizen

    Joined:
    Aug 19, 2009
    Messages:
    6,111
    Thanks Received:
    543
    Trophy Points:
    48
    Location:
    Georgia
    Ratings:
    +543
    :clap2::clap2::clap2:

    I would add:
    Tax breaks for individuals purchasing healthcare insurance that is similar to the breaks businesses get (people buying their own would increase the competition in the marketplace).

    Unfortunately, the members of congress seem to be more concerned with taking our rights than doing anything to actually help citizens.
     
  6. theDoctorisIn
    Offline

    theDoctorisIn Senior Mod Staff Member Senior USMB Moderator

    Joined:
    Aug 12, 2009
    Messages:
    30,049
    Thanks Received:
    5,803
    Trophy Points:
    1,140
    Location:
    East, but still West
    Ratings:
    +11,992
    I agree with everything here, except tort reform.

    My opinions on tort reform are similar to what I hear from a lot of people in regards to the second amendment. For the same reasons the NRA fights any sort of gun control, be it limitations on personal ownership of rocket launchers, I feel that any legislation that removes people's rights to sue is a slippery slope, that could very soon lead to abuse.

    Now, I'm not talking about the current bill, but what are your oppositions to a public option? Competitively priced low-cost insurance that will cover more than current high-deductable insurance, and be available to people who are mandated to have coverage?
     
  7. VaYank5150
    Offline

    VaYank5150 Gold Member

    Joined:
    Aug 3, 2009
    Messages:
    11,779
    Thanks Received:
    1,047
    Trophy Points:
    138
    Location:
    Virginia
    Ratings:
    +1,055
    Do you have any idea how many state laws or mandates would have to be stricken in order for this to happen? These same state mandates do nothing but escalate health insurance costs. However, last I checked, a piece of Federal legislation does not override state legislation.
     
  8. Maple
    Offline

    Maple Senior Member

    Joined:
    Mar 15, 2009
    Messages:
    4,674
    Thanks Received:
    568
    Trophy Points:
    48
    Ratings:
    +568

    Great idea- incentivise people with tax breaks!!!!!
     
  9. Maple
    Offline

    Maple Senior Member

    Joined:
    Mar 15, 2009
    Messages:
    4,674
    Thanks Received:
    568
    Trophy Points:
    48
    Ratings:
    +568

    Tort reform- takes no one rights away to sue, there would be a limit imposed on the amount of compensation. Frivoulous lawsuits of which cost millions a year could be discouraged if the person who loses the case pays for ALL court costs and attorney fees.

    My opposition to the public option is that the government already runs social security, medicare, medicaid, frannie and freddie, the postal service and all are bankrupt. There track record of running any program is dismal at best.

    The public option as written in HR3200 would penalize business's with an 8% payroll tax. Many business's already pay more than that now for coverage for their employees. As it is written now, it would be an incentive for business to dump the coverage on their employees and essentially force everyone onto a government run plan.
     
  10. Maple
    Offline

    Maple Senior Member

    Joined:
    Mar 15, 2009
    Messages:
    4,674
    Thanks Received:
    568
    Trophy Points:
    48
    Ratings:
    +568
    Really, do you know how much a nationalised plan that you propose would cost??? It is estimated now that it would cost app 1 trillion dollars , now when you consider that medicare in 1990 was estimated to only be 90 billion and it is 10 times that amount now,I would think that fact would give you pause before you turn over another 6% of our economy to a bunch who have a track record of bankrupting anything and everything they touch.

    As far as state rights and the feds overriding them. Beleive me, when you start denying highway dollars to them when they don't comply, they seem to change their tune right away.
     

Share This Page