I am no John Kerry plan, but my pops (who is a HIGHLY SUCCESSFUL group insurance agent and a flaming liberal) told me about his plan when he was running against Bush.
I actually think it's a great plan! His plan was a combo of single payor and private insurance.
Basically every CITIZEN (residential alien and illegals aren't included, at least on face, Dems have a way of including them), gets a catastrophic coverage from the coverage from the government. The Fed gives everyone 18 and younger a $10K deductible and everyone from 18-65 a $20K deductible and then 65 and older get medicare.
Then each person has the OPTION of purchasing private insurance to pay down on the deductible. For example, say get get cancer and your total bills are $100K. Your insurance co would be on the line for the first $20K and the gov pays the rest!
Why is this great, because the vast vast majority of people will not incur more than the deductible in any given year, but the insurance co's HAVE to consider it when calculating premiums. Something out of the ordinary has to occur, like a serious illness or freak accident. The insurance companies will adjust their premiums down and everyone will be covered for catastrophic incidents.
Healthcare coverage is a sticky subject, but I think this is the best option of many bad options!
I actually think it's a great plan! His plan was a combo of single payor and private insurance.
Basically every CITIZEN (residential alien and illegals aren't included, at least on face, Dems have a way of including them), gets a catastrophic coverage from the coverage from the government. The Fed gives everyone 18 and younger a $10K deductible and everyone from 18-65 a $20K deductible and then 65 and older get medicare.
Then each person has the OPTION of purchasing private insurance to pay down on the deductible. For example, say get get cancer and your total bills are $100K. Your insurance co would be on the line for the first $20K and the gov pays the rest!
Why is this great, because the vast vast majority of people will not incur more than the deductible in any given year, but the insurance co's HAVE to consider it when calculating premiums. Something out of the ordinary has to occur, like a serious illness or freak accident. The insurance companies will adjust their premiums down and everyone will be covered for catastrophic incidents.
Healthcare coverage is a sticky subject, but I think this is the best option of many bad options!
