PEORIA -- The US House has passed a health system reform bill. The US Senate has decided to debate its own bill, though passage is no slam dunk. Now what?
Have they all gone mad? There are simple, common sense ways to reform the nation's disastrous health system. (The awful statistics can be found under previous posts in the category 'national politics.')
Here's a simple reform plan. It doesn't involve abortion politics or a new public option.
1. MEDICARE: Immediately expand Medicare eligibility back to age 60. Make it voluntary to all, regardless of other insurance status or none. They pay what today's Medicare recipients pay. Close the prescription drug gap. Negotiate drug prices. Pay for it by cutting out the excessive payments to Medicare Advantage. Let the insurance companies make up for the loss by expanding into the supplemental insurance market. Impact: millions will retire, opening up new jobs for the unemployed. Millions more will be covered at last. Add dental coverage.
2. MEDICAID: Expand eligibility as proposed in the US House bill, immediately. Expand federally subsidized clinics, which include dental now.
3. INSURANCE COMPANIES: Regulate their coverage on a national scale. No exemptions for self-funded plans. No underwriting allowed to ban preexisting conditions, or to drop the sick, or discriminate against women or older people. Standardize claim forms. Cost? Free to the government. Enforcement? US Justice Department in federal court, civil and criminal penalties. (This might employ more lawyers until the companies see the government means it.) Require them to participate in a national exchange where anyone could buy a policy at group rates.
4. FINANCING: Tax wealthy Americans. making more than $500,000 a year. No taxes on so-called Cadillac policies or any other such nonsense. No mandatory purchase of insurance policies or subsidies to pay for them. (If the Democrats enact that, they can expect to lose several future elections.)
This is a great first start. It can be refined, as it plays out. Case closed. Now on to global warming.
-- Elaine Hopkins
