"My way is the best because you can't name something better" is just begging the question.
proposal for alternative system:
1. Subsidized plan for high risk individuals( previous cancer, heart disease, organ transplant, chronic disease) as I mentioned before, the insurance model does not work in these cases.
2. greatly reduce requirements for "Must include" features in policies
3. Allow plans to be sold across state lines.
4. Allow non-affiliated group plans for risk sharing, and allow employers to direct contribute towards these plans with pre-tax dollars (In other words, instead of taking the company provided plan, an employee could direct his employer to contribute towards a portable plan an equivalent amount)
5. Allow cat-health plans for young and/or self-employed (high deductible but high benefit, for instance pays 80% from $10,000 to $100,000, 100% above that to $2,000,000)
6. Malpractice reform to include limits on non-economic damages, special masters to determine standard of care instead of lay juries (a trained expert would determine what the applicable standard of care should have been as a matter of law, with a lay jury finding as a matter of fact whether the treatment met the standard)
7. remove any and all "Certificate of Need" requirements, which allow incumbent providers to limit attempts to compete against them.
8. Make pricing information available prospectively for common, non-emergency procedures, and publish cost-effectiveness data on providers. |
