The Solution to Health Insurance
First, totally repeal Obamacare. Do not remake it, rewrite it, or reform it; it is imperative that Congress totally and completely repeals Obamacare. Yes, it can be done, and because President Obama has taken it upon himself to once again ignore a law (that he forced upon us against our will) by removing the requirement for employers to provide health insurance to employees– strike while the iron is hot: now is The Time to repeal.
- Make health insurance more like auto insurance: let each person be responsible for procuring and providing the health insurance of his choice by removing this requirement from all employers. The truth is that employers are in business to earn money by providing goods or services. They are not in business for the purpose of providing health insurance, nor auto or homeowners insurance. Health insurance came to be offered by employers as a way of bargaining and offering incentives to potential employees in the 1940s because of wage and price control during wartime. Today employers and employees would be far more satisfied with each other were the overwhelming problem of health insurance removed from the relationship because people would be free to secure jobs that they enjoy, rather than jobs that provide the best insurance. Happy employees are better performing employees; it’s a win/win.
- Make health insurance free-market open to purchase across state lines. Rather than regulation by the federal government, allow each state to regulate.
- No required “insurance bundles;” instead, each person chooses both the type of coverage he wants and the amount of his deductible, just as we do with auto insurance. This change in itself would result in major improvements and far lower premiums.
- Make health insurance for big things such as major diseases, auto accidents, etc., and not for regular maintenance doctor visits, shots, and the like. Our auto insurance pays for accidents but not for oil changes, routine repairs, or new tires; our health insurance should work in the same way.
Merely on the basis of these changes, many improvements would be quickly seen, beginning with lower doctor and hospital charges because there would no longer be a need to employee an entire department for the purpose of handling all of the massive and overwhelming insurance policies, coverage, terms, problems, negotiations, and issues. Prices of medical services and insurance premiums would also be reduced because doctors and patients would make wise and appropriate decisions regarding treatment and services rendered.
Please think carefully about these suggestions before you toss a book at me. Yes, we would all survive these changes and would be better because of them– and so would our economy. And please, this week make calls to your Representative and both State Senators asking them to repeal Obamacare.