I have this really insane idea.
Let's say you have a job. And let's say all your employer does every couple of weeks or so is give you...a paycheck!
Your employer does not give you health insurance. Instead, you call up any insurance company in the country and...get this...YOU decide what you need!
Do you need birth control coverage? You got it! No problem!
Do you need coverage if you get a broken leg? You got it! No problem!
Do you NOT need birth control coverage? No problem! You don't have to pay for that.
Just like the way you buy your auto insurance. You decide how big a deductible you can handle, and how much coverage you want.
And since you can buy your insurance from any company anywhere, they are all competing like crazy for your business. You have bargaining power.
I know how insane that sounds. Everyone knows the government should be deciding these things for me. What the hell am I doing deciding what kind of health care coverage I want? That should
not be between me and my doctor and my insurance. The government should be involved in every way possible.
And it is better that a big chunk of your income is diverted into a health insurance plan at your job that you have absolutely
no choice about. You have to go with what your company provides. That's MUCH better than you receiving that income and getting to decide what is best for you and your family. It is just plain nuts to leave such personal decisions up to you. I'm totally crazy for proposing such a preposterous idea.
OK Let's say you have a job and your employer has health insurance.
What's wrong with that?
After all 149,464,500 people are covered by - Employer plans... (Just to be clear.. these are people covered by their employers' plans...OK?)
And then we have 66,390,642 people - Medicaid ---- people covered by states' Medicaid..
So when we add 49,435,610 people covered under Medicare
Another 15,771,400 people - Private plans
Plus 7,900,000 people - Veterans Administration health care system had nearly enrolled as of October 2008.
http://www.va.gov/opa/publications/factsheets/fs_department_of_veterans_affairs.pdf
and then we 8,300,000 people under - Tricare..
TriCare Information - Military Health Care
That adds up to 301,219,252 people with some form of insurance coverage.
THEN when you find out 10 million counted as uninsured are NOT citizens PLUS
14 million people that due to inefficiencies of Medicaid don't know they are covered!
Finally 18 million people can afford (make over $50,000) are too young for health services (under 34).. and don't want their employers' plans.
So what was the problem in the first place that supposedly made this a crisis?