Obama's health care plan can be defeated if there is a better one! See below
Total health insurance and care solution, no new taxes, no new buraeucracy,
no rationing, no lost care, lower cost care




<http://www.townhall.com/>


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Obama's health care plan can be defeated if there is a better one!



Subject: No cost Total Solution for the Health coverage and care issue
without creation of a new bureaucracy, or taxation subsidy to go against
insurers and existing health care, or loss of benefits, need to ration, nor
elders denied care as having no benefit to society.



The major issue is that there are some 37 million people that do not have
health care by choice or because they can't afford it. Neither do the people
with health insurance want to lose what they have, nor does the health
industry want to come under the control of a new expensive bureaucracy that
is subsidized to compete with the private sector.



Solution:

1. A national health insurance fee of 1% is assessed on all people's
income and held in a Trust Fund, similar to the FDIC's assessing a fee on
all banks to hold as a reserve to cover losses on deposits of failed banks.
This means that the fund is not spent on any bureaucracy.

2. Whenever people without health insurance come into a doctor's
office or hospital requiring care, the hospital covers whatever the care is,
then deducts the cost from their taxes.

3. Such cost is also itemized with the patients history to the IRS

4. The IRS then withholds a certain "deductable" from the patient's
tax return at a higher rate than an insurer's comparable with whatever the
industry would be for that level of income, i.e., someone with a higher
income, that has elected not to get health insurance, because they feel they
don't need it, would pay a higher deductible, which is reduced from their
tax return and/or the patient pays the deductable from their income.

5. To the extent that it takes longer to pay the deductible, the IRS
assesses an interest at a nominal amount, slightly over the libor rate.

6. People with no income would simply have the amount due to the IRS
one day when they do have income, without penalty.

7. The deductible would continue until the emergency care deducted
from the hospital's taxes is paid off.

8. Anything over the deductible is covered by the national 1% tax.

9. Such tax also doubles to cover any catastrophic illness.



The result:

1. No new bureaucracy, because

2. The costs for health care for those that don't have health care
plans are offset from the hospitals and the patients within the IRS.

3. Therefore, the hospitals no longer have to charge higher fees to
all other patients, thus reducing the overall cost for medical care to all
patients.

4. As fraud is determined by the IRS, and resolved within the
hospitals and patient's taxes, involving the typical penalties, it would be
at a minimum.

5. Health insurance would not be reduced, because, the benefits would
be higher than people that come in for emergency care, and the deductible
higher, which could also have the effect of more people buying heath care.



Opening up insurance and health care across State lines, may also create
competition and better care.



Apart from the 1% national insurance fee, there is no new bureaucracy
involved, fraud and waste is reduced, health care is covered for all
citizens, overall health care costs will drop, care will not become
rationed.



The only other issue is malpractice insurance, which is high because the
tort laws allow unlimited damages, which makes the cost of doctors and to
hospitals also very high. Thus, Tort reform would solve the rest of the
problem. The easiest and best way to cut most of the cost is simply to
require that if the claimant looses they have to pay all legal and court
costs. This would reduce Tort claims malpractice insurance and overall
health care costs considerably.



The above is the way a Capitalist would solve the problem.



Pieter Schoonheim Samara

Pieter@...

+66898199980







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