What is when all Americans at least catastrophic health care coverage had?

 

I really like the term health care reform. I think our system must be changed not reformed. I assume that I am not the only person who thought that is not the final solution for America's health care problems the recent reform of the public health Act. The cost of health care is not really at all, and even if it works better than expected some Americans have coverage even catastrophic health care.

This post is really just my first shot to propose a way I think is the problem of the large number of uninsured people in America, while at the same time leave many choice and personal responsibility which seems to be a part of American Kultur.Ich'm sure useful that I didn't confess all the gritty details thoughtfully, and really not who know talent or having to write legislation but I this basic tenants think point.First might be a starting point my assumptions:

The biggest problem for Americans who are uninsured is the possibility of personal personal choice when selecting a medical plan want financial ruin from a large medical condition.Americans and providers.American are disadvantaged businesses global in having to to pay their plans for expensive health insurance costs for the production of goods and services which were higher than in countries with public health insurance.If American's more responsibility for costs in the health sector, it is likely that you have a greater responsibility for how their dollars on health care are rendered as if you spend other people's money would apply.

Next the basic elements of a solution:

The Federal Government every American with a catastrophic coverage provides medical plan. This would very high deductible plan to cover expenditure on a selected amount, say $ 5000. / Family per year. (This number might be different according to actuarial and legislative input.) This would choose paid by a national tax of whatsoever, perhaps a combination of one corporate payroll tax and health cover value added tax, or other individual tax.Individuals and employers could purchase additional plan for themselves or their employers about these catastrophic coverage.Most Americans at least access to a PPO type of network would want reduced fees negotiated between providers of services and insurance plans, similar to how PPO fees now access to purchase. You could also choose, an HSA account to save / pay towards which had deductible or complementary plan to cover some or most of deductible expenses contribute. it be covered no responsible services in these supplementary plans.Individuals choose what services can have assured you want to.This would allow that insurance companies to offer plans that the wishes and needs of the individual, not the current any willing provider tailored, cover everything for everyone, many current mandates to diktieren.Wenn we for really big change are ready, this could be for all Americans and our less wealthy elderly and our poor could have some kind of support in purchasing additional insurance to replace Medicare and Medicaid.

That's pretty much es.Jeder would prevent most Americans facing the risk of financial ruin from an accident, injury or illness catastrophic national health insurance.We could all choose, what to meet other cover our needs on an open market without regulated mandatory reporting than buy all services we could choose not to buy.

I am hoping to this topic, an ongoing forum for discussion on haben.Kommentare, better ideas I missed suggestions for major problems, address, and the expected outrage that this idea is a step towards socialism, fascism or some other ISM is willkommen.Machen comments and join the dialogue.

Ed Pullen, MD, is a board certified family physician practicing in Puyallup, WA.Dr.Pullen shares his views on medical news and politics from a medical care physician perspective his blog at DrPullen.com.

July 23, 2010 in Ed Pullen, health care reform

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