On Renewing the Health Insurance Debate

As Democrats unsuccessfully ramming their health insurance plan through and while Republicans remained obstinate to changes, the situation of citizens remains the same: people with pre-existing conditions cannot get coverage, people using health insurance still face rising premiums, many employers continue to shift more health insurance responsibility to employees, and many people are lack employment.

I know health-insurance Darwinists are out there – meaning they see insurance only for those who can afford it – of  course their tune changes with their situation – so they only get these few lines. Nonetheless, the majority of Americans still want something done. (USA Today poll).

Before mentioning my ideas, members of Congress must pledge to stop lying and distorting information. All truths and nothing but the truths! Since the pledge, lying, half-truths, and distortions is beyond their grasp, thus won’t happen, here are 10 ideas (in no particular order).

1) A national program without tort reform is quite stupid; however, national leadership must clearly inform the public that such tort reform would only affect litigation involving federal law through the federal courts – thus do not effect cases based on state laws in state courts. Currently, some states have already done tort reform, while others have not.

2) Denying insurance because of pre-existing conditions and raising premiums because of using insurance must stop.

3) No pork and no sweetheart deals as in Nebraska or Louisiana. Nada, none, zilch!

4) Remove the tax on the luxury plans. If employers want to offer better plans, so be it – well, as long as they offer to every employee. In other words, a luxury tax on exclusive plans within a company is acceptable.

5) Dramatically reduce the number of uninsured. The numbers I’m seeing from both sides of the aisle are too high. However, I appreciate USA Today’s thoughts on removing the requirement for purchasing health insurance.
“If someone refused to sign up but later got sick and sought coverage (which insurers would have to provide), that person might have to pay a year’s worth of premiums to get covered.”

6) Offer a three-ponged government option.

  • Allow states to opt out, thus offering their own solution if they so choose. However, no opting-out state who does not offer options may prevent its residents from buying into the federal plan
  • Allow insurance companies to cross state lines in order to participate in the federal plan that should offer a cooperative of private insurers competing against one another.
  • Allow the ability to purchase into the same plan provided to those in Congress. It not, Congress should eliminate their current plan and use the cooperative. To the pompous roaming the Capitol Hill halls, this is your chance to shine!

7) Many pro-choice voters will not mind excluding abortion funding from government-backed insurance. If the move gets more votes, so be it.

8) Stop blaming the health insurance companies because they are only one part of the issue. Since they are part of the equation, they may have some useful insight at controlling costs. Although one does not have to agree, here is an interesting WSJ article based on an interview with the WellPoint CEO.

9) Do not move people from Medicare into another program. Now is the perfect opportunity to examine the Medicare system to find wastes, abuses, and duplicate/conflicting programs that, if eliminated, would produce cost savings to the government without reducing coverage.

10) Develop a way to maximize use of tax-favored health saving accounts (HSAs) for everyone who wants one.

Oh well, let Washington get back to the rhetoric and self interests.