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Healthcare overhaul

To fix our current healthcare system, we need to start with a clean slate. How do we do this? We remove the middle man: health insurance companies. In terms of your actual wellbeing, they serve no real purpose. This may sound drastic at first, but as you read on, you will realize this is long overdue. Don’t worry, for health insurance companies will still survive and thrive with this plan

My plan, HEaL, stands for HEalth and Life. It will guarantee every American citizen full medical, preventative dental, and prescription coverage.

You will select the primary care physician of your choosing. Next, you select which hospital you prefer to be sent to in case of an emergency. The individual freedom of picking your providers is what is going to lower the cost and improve the quality of healthcare. Many people today, even with insurance, avoid going to the doctor because of deductibles. The burden of a $5,000 deductible can be devastating to a low-income family. The American people will become healthier and more productive over time without the worries of co-pay, deductibles, and prescription drug cost.

Your employer is responsible for paying the hospital of your choice a monthly subscription of $300-$350 a month. If you are single and your gross income exceeds $75,000 a year, the amount which is tax-deductible will be deducted from your paycheck. On the other hand, if your gross income is less than $75,000, the employer will receive a tax credit on a sliding scale for the subscription amount not covered by the individual. Married couples who, combined, make over $150,000 in yearly gross income will pay the full subscription amount from their paycheck(s). If they make less than $150,000, they will pay the subscription fee on a sliding scale just like an individual would. Families with more than two children who earn over $150,000 in yearly gross income will receive a tax credit for additional child (third, fourth, etc.) equivalent to the monthly subscription cost. People with more than two children will receive a tax credit equivalent to the subscription fee for each additional child.

Unemployed or retired individuals will be covered by the Federal Government under Medicare and Medicaid. Both of these agencies will pay the subscription fee to providers chosen by the individual.

Veterans and current Department of Defense servicemen will be covered under the same plan. They can choose any provider they want for their needs. Veterans’ subscription cost will be covered by the Veterans Affair. Their providers will receive a boosted subscription fee for all veterans to cover the additional costs of serious injuries and periodic treatments. Active servicemen will be covered by the Department of Defense.

Primary care physicians will be paid by the hospital that the patient chose on a monthly basis unless the patient doesn’t visit the doctor within a twelve month period. Then, the physician will receive a thirteenth payment. The amount paid to the physician varies based on the field of expertise and can be negotiated between the physician and hospital. If the patient switches primary care physician, the new provider will receive the monthly payment from the hospital, and the previous provider will stop receiving any payment. This system will encourage the primary provider to follow up with their patients at least once a year to maintain the monthly payments from their patients’ hospitals. As a result, physicians will lower their costs as they compete for patients.

The hospitals will provide any of their patients with any treatment necessary to make their patients well. If a patient is away from home or unable to reach their choice hospital in time, the hospital the patient is admitted to will treat the patient as if the patient were its own. The visited hospital will bill the patient’s choice hospital for the services provided. Because hospitals have a fixed overhead in most cases (excluding the cost of disposable items used in treatments), it will be simple to compute the fixed cost of a visit by a guest patient.

This will encourage competition among hospitals for the patients in an area. Areas with only one hospital or group may enjoy monopoly until another is established.

“What about the insurance companies?” This question is likely on your mind at this point.

Instead of insuring people’s health, insurance companies will become life insurers. This plans includes a $10,000 whole life insurance for every citizen regardless of age. Every newborn will automatically have a whole life insurance policy from birth for life.
The policy is paid for by a portion of the monthly subscription paid to the hospital. The parents of a minor choose which company the policy will be carried out by, and adults choose from any of the life insurance companies available. The freedom of choice will create a competitive marketplace where individuals look to shop for the best returns and cash value growth from life insurance companies. Similarly to switching healthcare providers, a policy can be transferred to a different insurance company at any time by the policy holder.

The cash value built in a policy may be used for anything the policy holder wishes. Some examples that will benefit citizens the most are using the cash value to pay for college or as a down payment for first-time homebuyers. Mortgages may be designed to repay the policy overtime and rebuild the cash value. Provide starting capital for a new business and of course covering for final expenses.

The purpose of life insurance is to provide a safety net and give everyone peace of mind. This policy is very important as it will channel into better quality of life.

This is the basic framework for HEaL. There are many other aspects my plan addresses which have yet to be described here.


Paid for by Carl Persson for US Congress
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