This is not the entire package, but a synopsis of that package: a working pilot. Nevertheless, the following is to be a strong guideline. Additionally, while no one is required to have health care insurance, every legal U. S. citizen is to be offered health care insurance at a rate that is achievable for people at every income level. There is to be no governmental monetary involvement. The government may be used to: (1) help create a list of job titles, or verify annual gross incomes; and, (2) to ensure that no one, or any married couple, is drawing insurance from two health care insurance companies (Spousal Coordination of Benefits Policy Form). These are the only two places in which the governmental can and shall be involved. Insurance companies are driven to offer lower premiums, to offer lower co-pays, and to provide better coverage for everyone through tax incentives which create competition. Insurance companies, while they keep a reserve of money for emergency situations, are to be non-profit, a maneuver that will also help in reducing premiums and co-pay levels.
For purposes of discussion, the term group is to mean a list of legal U.S. citizens who have in common their ability to gain insurance together. All people, having reached the age of 18 years, with the lone exception of students finishing their k-12 education and those involved in furthering their education, are to be grouped. All groups may be constructed either by (1) employment title or by (2) gross annual income, but not both. A choice by someone has to be made concerning which method will be used to gather members of groups. Nevertheless, those who are not employed, due to chronic illness of any type, are to be grouped together. This also mean that people with pre-existing health conditions must be insured and cannot be refused insurance and care by any health care insurance company. Those who are capable of employment, but are not employed, for any reason, are to be grouped together. Students, who remain involved with their college education, may remain under their parent's/s' health care program until age 32, or until they graduate from an educational institution during the calendar year of their 32nd year in which their education is finalized, and the student must be in a degree-achieving program and actively achieving that degree. Men, at 65 or after, may join Medicare. Women after age 62 may join Medicare. Retired people may stay with their regular insurer or they may opt for Medicare. Retired folk may opt for their group's pensioners' full health care insurance or, if they join Medicare, may opt for their group's pensioners' supplemental insurance. Folk, who retire before 62/65, may join their group's pensioner's insurance.
A law must be passed that permits groups, gathered either by job title or by gross annual income, to cross state borders in order to gain members and, therefore, insurance policies to also cross state borders as well. It would also be helpful if tort reform were enacted and passed, being extremely mindful of both sides of the equation. Tort reform isn't one single idea or law. Instead, it's a collection of ideas and laws designed to change the way our civil justice system works. While each tort reform law is different, they all share one or more of the following goals:
Many people refer to it as tort "reform" because they don't believe that the proposed laws will actually reform the system, but will instead shift the balance of the scales of justice. Others call it tort deform for the same reason. For example, the web site Tortdeform.com is very critical of tort reform measures. (http://www.whatistortreform.com/)
For purposes of phrase definition, the phrase desired number refers to the number of people required within a group to reduce the group's health care insurance premiums to an amount that is not excessive for that group of insured people to pay monthly and for their co-pays to not be excessive. When these groups reach a desired number in membership, they will qualify for group rate co-pays. If the desired number is reached within a state's borders, then there is no reason to gather members from any other state. For instance, educators might have a populace large enough to reach the desired number within their state, but there might not be a large enough populace of saw mill workers to reach the desired number within a state.
Groups whose members are selected because of job title within a state may combine in order to achieve the desired number if the groups involved are related. For instance, waitresses and waiters would be one group. Dish washers would be one group. Cooks/chefs would be one group. However, these same groups could also combine. Gas station mechanics, car dealership mechanics, and truck mechanics within one state could combine; however, if their number still did not attain the desired number, they could join the same joined group in a neighboring state. Landscape workers can unite with lawn mowing services and nursery workers. An alternative to this method of grouping members would be to group members by their gross annual income. Everyone must belong to a group; however, individuals may opt to not purchase health care at the annual enrollment period at their own peril financially and physically. No hospital will be required to offer their services to patients who do not have health care insurance.
People who are physically able to work either in or out of their homes, but refuse to do so, will receive no financial aid of any type or kind from any governmental agency. They will receive no health care insurance. No hospital is required to service them. For those who are willing to work but cannot find work, work will be found for them and the person must accept the position offered or one of the positions offered. If a person is gainfully employed, but does not earn enough money to afford health care insurance, as determined by governmental financial agencies, health care will be provided for them by the health care insurance companies at a lowered rate or at no cost.
People, who for health reasons, cannot work will comprise their own group. They will receive all the help from governmental agencies to which they are entitled. Their health care is free and they may individually select the health care insurance company of their choice.
People who are paying for their health insurance will have added to their premium a stipend which is the insured member's contribution to those less fortunate. As such, this stipend is tax deductable. Once the federal taxable income is ascertained, the year's annual stipend is to be deducted resulting in the net taxable income, that net dollar amount used to calculate federal taxes.
There are perhaps 162 Health care insurance companies in the USA and they are to be invited to gain the attention of every group within every state thus providing for competition among the insurance companies for the lowest priced premiums and co-pays for the most coverage.
Tax incentives are offered to the health care insurance companies. On the federal tax forms, each company's tax burden is reduced by a percentage. The percentage is based upon the number of states in which their insurance is offered. If there insurance is offered in only one state, their burden is reduced by 0.0196, or 1.96%, or 1/51. Within each state, the tax burden would be reduced by the number of groups covered as compared to the total number of groups within the state. That is, if the state contains 85 groups and the insurance company provides insurance to one of the 85 groups, their tax burden is reduced by 1/85, or 0.0118, or 1.18%. A company providing health care insurance to 35 of those 85 groups would reduce their state tax burden by 35/85, or 7/17, or 0.14118, or 14.118%. The drive to lower the company's tax burden would cause competition and, therefore, lower premiums and lower co-pays in addition to creating alternative plans and their structure.
Lullaby, right sure thing man...and by the way is Obama Jewish?
In response to what Hank inserts that is easy to Google, you should know with whom you are talking. Suffice it to say that Googling is for beginners. The internet is replete with false and true data. I would rather take the time and energy to investigate primary sources, and if that source references, then investigate that reference(s). My actual plan, a lengthy work not suitable for the space of a blog, is complete with great citations, footnotes, and bibliography. Its contents travel from libraries and state legislature archives. I am not trying to learn; I have learned. I have conceptualized, organized, and a,m trying to get my plan to President Trump for institutionalization. I solicited your thinking and have gained it, Thank-you. We are done here.
Well thats not to hard to figure out, talking to you, and yep it is a done butt,...:)
Oh ps. Hanks blog went nuts on other web sites...:)
*I Just Added the Video Enjoy Kristi Ann*
Any insurance offered should not hide premiums by calling them co-pays, co-insurance, deductibles or any other form of payment for coverage. Keep it simple... one rate for the listed coverage. Hidding premiums in deductibles and other forms of deffered charges by the Insurer is deceptive and dishonest.
Stop the tiered structure for hospital billing... one charge for all, no negotiable discounts for insurers or individuals. Provide a government mandated fairness in billing provision that requires the Hospital or medical practitioner to disclose the basic charges for every procdure performed and mandate a 10% cap for additional medically necessary but unforseen events associated with the procedure. Also provide a goverment web site where individuals can search for the lowest costs for any procedure performed in their area... stop price gouging.