My Healthplan

#1
Sea Ray

Sea Ray

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#1
I'll be the first to admit that Republicans have not come up with a decent health care plan. I hope they do so that we have a better option than M4A. Were I advising them, I'd suggest the following which involves a gov't aspect and a market competition aspect:

1) Blow up all the Obamacare requirements on healthcare plans and allow insurance companies to underwrite policies again

2) Have a public option where people can opt to buy into Medicare or whatever

3) Keep the law that says you can stay on your parent's plan till you're 26

4) Allow everyone to have a health savings account (our gov't only allows a few select plans to have an HSA)

5) Pay for this by raising taxes on the top folks 5%

6) Let everyone take a deduction for health care premiums

This does a lot of things politically:

--it gives people with pre-existing conditions an option (a promise Trump made during his SOTU)
--it brings back competition for the consumer. We'll again have choices
--it doesn't blow up the whole system
--it takes away the political talking point from the Dems that Republicans are the party of the rich. It also ends discussion of hitting the rich up for another increase. We can say no, we just raised taxes on them and that's as far as we ought to go.

As for the folks who want M4A: here's my comment to you. Let's see how this public option goes. If the gov't can handle this, we can transition to M4A...but if (as I think) gov't can't handle it, at least folks will have another option.

Now Trump has already done some of this. In fact he's done #1 and if you qualify (you're healthy) you can save huge amounts.

Although I do have Republican philosophies, at my core I'm a problem solver and this is what I recommend.


What do you folks think?
 
#7
#7
MG1968 said:
That’s not very many people. Have you done the math?
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I doubt it. 500k is basically the 1% line which is where 40% of the revenue comes from. I don’t think raising their taxes by 5%- which effectively would raise revenue by 2%- while simultaneously making all premiums deductible on top of HSAs that would be deductible seems like it would get us nowhere as far as paying for a public option.
 
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#8
#8
GAVol said:
I doubt it. 500k is basically the 1% line which is where 40% of the revenue comes from. I don’t think raising their taxes by 5%- which effectively would raise revenue by 2%- while simultaneously making all premiums deductible on top of HSAs that would be deductible seems like it would get us nowhere as far as paying for a public option.
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A 5% VAT would raise a lot more money.

Not that I’m suggesting one as long as the current tax code is in place.
 
#9
#9
its not surprising the upsurge of healthcare-for-free movement these days. Kids are staying on their parents insurance til mid 20s then get sticker shock when they have to pay for it. "I have to pay $X now?? you mean its not free?? we need to make it free". Welcome to being an adult. 30 year old bosom sucking babies is not a healthy way to have a society
 
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#10
#10
My healthcare plan, probably would be popular at first and would cause some hardships on some segments of our citizens but would lower costs and encourage everyone to be covered.

1. Do away with comprehensive healthcare insurance plans.
2. Have only major medical/catastrophic/high deductible plans with deductibles set at 8-10,000.
3. Regardless of tax situation allow a 100% deduction of insurance premiums for both employer and employee.
4. Regardless of tax situation allow a 100% deduction for contributions to a HSA up to deductible amount.
5. Allow providers to refuse service to those that can’t pay.
 
#11
#11
hog88 said:
My healthcare plan, probably would be popular at first and would cause some hardships on some segments of our citizens but would lower costs and encourage everyone to be covered.

1. Do away with comprehensive healthcare insurance plans.
2. Have only major medical/catastrophic/high deductible plans with deductibles set at 8-10,000.
3. Regardless of tax situation allow a 100% deduction of insurance premiums for both employer and employee.
4. Regardless of tax situation allow a 100% deduction for contributions to a HSA up to deductible amount.
5. Allow providers to refuse service to those that can’t pay.
Click to expand...

I would add you have to dog collar insurance companies (maybe through legislation and/or the state insurance commissions) from intervening between doctor and patient wrt the best course of treatment, tests, etc.
 
#12
#12
Vol737 said:
I would add you have to dog collar insurance companies (maybe through legislation and/or the state insurance commissions) from intervening between doctor and patient wrt the best course of treatment, tests, etc.
Click to expand...

Under my plan my guess is that over 90% of all medical decisions will only be between you and your doctor since you will be the one paying him.
 
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#13
#13
Why not a government mandated HSA like SS?

Individuals have to contribute a percentage of their income, 6.2%, to their personal HSA. Any yearly contribution totaling more than 50k (just a number) gets put in a public pot for the needy. Individuals can contribute what they want beyond the tax.

Like SS, the HSA, gets taken away from the rest of your taxes and contributions are deductible as well to the yearly max.

With the cap limit on what you contribute to your individual account the Democrats still get to steal from the rich to pay for the poor. Make the cap something that hits only the top 10% without individual contributions. But with it being more or less tax deductible it doesnt hurt people as much as just a tax hike would.
 
#14
#14
Under my plan there would be no upper cap, and dollar amounts roll over. So like SS you start contributing when young and healthy so that by the time you need advanced care you have a nice big pot.

It would allow people to stretch SS farther if it doesnt have to cover medical costs.

I would prefer to see the other taxes drop slightly (1%) to recognize the benefit this gives to end of career saving.
 
#15
#15
A family that pulls in $475000 is the starting line for 1%. Single its $329000.. Top 10% family is 180K and single is 116K....just fyi
 
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#16
#16
Velo Vol said:
Are you trying to fix problems in healthcare? Or have a plan that sells politically? Two different things.
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Fix problems in healthcare. Two things: I am one of the 15% that has to buy individual insurance. I also work in the healthcare field
 
#18
#18
GAVol said:
I doubt it. 500k is basically the 1% line which is where 40% of the revenue comes from. I don’t think raising their taxes by 5%- which effectively would raise revenue by 2%- while simultaneously making all premiums deductible on top of HSAs that would be deductible seems like it would get us nowhere as far as paying for a public option.
Click to expand...

Who's paying for the subsidies from Obamacare right now? My program does away with those
 
#19
#19
hog88 said:
My healthcare plan, probably would be popular at first and would cause some hardships on some segments of our citizens but would lower costs and encourage everyone to be covered.

1. Do away with comprehensive healthcare insurance plans.
2. Have only major medical/catastrophic/high deductible plans with deductibles set at 8-10,000.
3. Regardless of tax situation allow a 100% deduction of insurance premiums for both employer and employee.
4. Regardless of tax situation allow a 100% deduction for contributions to a HSA up to deductible amount.
5. Allow providers to refuse service to those that can’t pay.
Click to expand...
We have that right now. My family of 3 would be charged $1900/mo by Anthem with an $8K deductible per person. That's not affordable
 
#20
#20
Sea Ray said:
We have that right now. My family of 3 would be charged $1900/mo by Anthem with an $8K deductible per person. That's not affordable
Click to expand...

I think with my plan which does away with ACA would drastically reduce the cost of a high deductible insurance policy. Prior to ACA we offered a HD plan that cost around $400 a month with somewhere around 6-7k deductible. Also anything you pay towards a premium or put into your HSA would be 100% tax deductible.
 
#21
#21
hog88 said:
I think with my plan which does away with ACA would drastically reduce the cost of a high deductible insurance policy. Prior to ACA we offered a HD plan that cost around $400 a month with somewhere around 6-7k deductible. Also anything you pay towards a premium or put into your HSA would be 100% tax deductible.
Click to expand...
What do people do with pre existing conditions under your plan? Where do they go?
 
#22
#22
Sea Ray said:
What do people do with pre existing conditions under your plan? Where do they go?
Click to expand...

I would make that a stipulation. Can't deny coverage.

Look, costs for prescriptions and healthcare in general would go down if everyone was paying directly.
 
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#23
#23
Sea Ray said:
1) Blow up all the Obamacare requirements on healthcare plans and allow insurance companies to underwrite policies again

2) Have a public option where people can opt to buy into Medicare or whatever

3) Keep the law that says you can stay on your parent's plan till you're 26

4) Allow everyone to have a health savings account (our gov't only allows a few select plans to have an HSA)

5) Pay for this by raising taxes on the top folks 5%

6) Let everyone take a deduction for health care premiums

This does a lot of things politically:

--it gives people with pre-existing conditions an option (a promise Trump made during his SOTU)
--it brings back competition for the consumer. We'll again have choices
--it doesn't blow up the whole system
--it takes away the political talking point from the Dems that Republicans are the party of the rich. It also ends discussion of hitting the rich up for another increase. We can say no, we just raised taxes on them and that's as far as we ought to go.

As for the folks who want M4A: here's my comment to you. Let's see how this public option goes. If the gov't can handle this, we can transition to M4A...but if (as I think) gov't can't handle it, at least folks will have another option.

Now Trump has already done some of this. In fact he's done #1 and if you qualify (you're healthy) you can save huge amounts.

Although I do have Republican philosophies, at my core I'm a problem solver and this is what I recommend.

What do you folks think?
Click to expand...

#1 and #3 conflict.

How does this create more competition/choices (again)?

You've crunched the numbers on this and found it's revenue-neutral or is it just a wild ass guess?
 
#24
#24
hog88 said:
I would make that a stipulation. Can't deny coverage.

Look, costs for prescriptions and healthcare in general would go down if everyone was paying directly.
Click to expand...
If you do that you won't have any $400 family plans. In fact that's Obamacare. Very few insurers even want to get into that. The few that do, like Anthem here in Ohio, charge through the nose, $1900/mo
 
#25
#25
n_huffhines said:
#1 and #3 conflict.

How does this create more competition/choices (again)?

You've crunched the numbers on this and found it's revenue-neutral or is it just a wild ass guess?
Click to expand...
#1 is as stated. #3 adds back one provision of OC that was a good one. Not all of OC sucked. There were some good points. That's one good point I included.

I don't have the ability to crunch numbers. The CBO won't crunch numbers for me so it is a wild ass guess. Understand, the numbers are fluid based on how much you charge people to buy in. Under my plan, very few will need to buy in. 85% already have insurance. Of the 15% many will opt to go with a plan that's underwritten...but the folks with pre-existing conditions will need to avail themselves of this plan
 
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