Sactowndog
VIP Member
- Jul 4, 2011
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Let's examine the big issues:
Medical -> government creates endless mandates on insurance carriers like paying for things like sex change operations and hair transplants, government created a system of endless frivolous lawsuits so a doctor starting out can have a six figure insurance policy they have to cover, government blocks selling policies across State lines, government gives employers tax breaks but not individual policies so people can't manage their own healthcare plans, government blocks people from taking their coverage with them if they leave their job. Government abets foreign countries stealing American pharmaceuticals without paying for the R&D that was used to develop them so American consumers pay higher prices...
So your read of the situation is the problem is not enough government. Gotcha...
You leave out the most important mandate which is government mandates that hospitals treat the uninsured who enter their emergency room.
The big problem with healthcare is we want it to be free market but we don't accept what that means. A demand curve requires people drop out of the market as the cost rises. Applied to healthcare that means as the cost rises at each point the decision is made to let the entity die rather than pay the price. These decisions occur everyday in animal health but never occur in human health care. Without it you can't have a demand curve and without a demand curve you can't have a true market based system.
That means you have to have a pseudo market solution that effectively accounts for the fact that we are unwilling to let people exit the market and the means government has to be involved to some extent.
And therefore government can fix it? Hmm...
If we are going to dictate that we don't want people to drop out of the market then yes government has to be involved. For the record my approach would be similiar to Ryan's approach.
I would use vouchers but not just for the elderly but for everyone. The vouchers would be based on need.
I would let states set a baseline plan for their state but I would let insurers offer policies across state lines so if someone wanted to offer a health plan targeted at 25 year old African males they could do so. People could chose the plan the desired and if they negligantly failed to chose a plan they would be enrolled in the state baseline plan. (My desired approach would be if they were negligent let them die in the street but I realize that might be a little harsh.)