All Inclusive Health Care 2017
Some may remember when the government decided that we must all have automobile insurance if we owned a car. People thought it was a horrible intrusion into the free market, the insurance companies loved it, now we all had to buy their product
If you look at the automobile insurance market today you will see many different rates, and many options for coverage, with a variety of payment plans. Competition in the market has kept premiums low, and we have many choices and just as many options. The insurance was portable and can be carried to any state that you lived, or moved to. Premiums are affected by your age, driving habits, accidents, the type of vehicle you drive, and whether it is new or used
If this model is used in health care, Insurance would still be mandatory, but competition would dramatically push your premiums down. With the ability to carry the insurance across state lines, the insurance companies would be forced to compete for your business, not the other way around. Premiums would be subject to adjustments and would be affected by relocations, age, incidents, and deductibles. Normal medical check-ups would not be a reason for rate increases. Annual limits on Increases will also keep premiums down, controlled by a percentage. Pre-existing conditions will put a person in a higher risk category, but insurance cannot be denied, and any attempt to do so by an insurance provider may result in a fine.
Students will be able to remain on the parent’s policies until they reach their 26th Birthday. If they are employed prior to 26, and all full and part-time employees will be able to get insurance on their own or from their employer, who will have reduced rates depending on the number of employees they have. Employers can use health care insurance as a recruitment tool, and can pay all or part of the premiums for each employee.
As mentioned previously, everyone will be required to carry health care insurance. Everyone will also be responsible for paying the premiums for their insurance, family plans will of course be the responsibility of the primary bread winner(s). Premiums will be capped at a certain percentage of the individual or family income, assistance will be available for all legal residents if the premiums go above this percentage. Annual increases will also be limited to no more than 7%.
An individual, or a family unable to make payments because of a disability or unemployment will be eligible for assistance paying the premiums. A disability will be subject to an annual review, an employment issue will be reviewed on a quarterly basis. Someone on unemployment benefits will receive assistance even if they work part-time, as long as they are below the threshold, unless they receive health care from the employer.
This document places the focus on health care, all other issues must be dealt with on an individual basis.
So, here it is, Health Care 2017