Quote:
Originally Posted by Excaliber
The Republican and Democrat parties alike recognize that SOMETHING has to be done. I'm still waiting to hear the game plan from Republicans, if they would STFU for a minute, quit whining and crying about it all maybe they could actually come up with a game plan? Some positive suggestion?
|
The Republicans HAVE come up with suggestions, good suggestions. Summarily rejected by the power hungry Democrats in control.
TORT REFORM, a Republican suggestion-REJECTED!
Allow interstate insurance competition. a Republican idea-REJECTED
That second one would interfere with States Rights, but then so do hundreds of pages of the Democrat bills under consideration.
A true solution to both health care and insurance costs, NO POLITICIAN CAN PUT FORTH.
That is catastrophic coverage instead of today's first dollar coverage.
Lets use $1000 a month as a family coverage cost or $12,000 per year. A tough number for an individual or a business to pay. Take HALF of that and make it the individual's responsibility. So the insurance company pays nothing until the insured has spent $6000 for the year. Relieved of the first dollar coverage, the insurance company could easily drop the other half from $6000. to $3000. [$250. a month instead of $1000.]
2 or more things happen, 1. people pay for all the little things, AS THEY SHOULD. And 2. They begin to EXAMINE all medical costs and SHOP for the best deal. Which puts competitive downward pressure on medical costs. [this is proven by the cost drops seen in medical procedures not covered by insurance]
Net by 2014, Family spends [covered by insurance $4000 in 2010] now in 2014 they spend $3000 for the same care, but out of pocket. $3000 out of pocket plus $3000. catastrophic coverage premium=$6000. in 2014 when the normal insurance would have climbed to $14,000 or $16,000.
Threaded Mode
