As someone who is probably going to be without health insurance soon, I have an idea to share. A family plan for me right now costs about $20,000/year. That's more than my wife and I make.
First, for people who can't afford health insurance, make the doctors and hospitals accept the same reimbursement as they would get from Medicare. Medicare wouldn't pay them, I would, but I don't like paying about twice as much as an uninsured person as Medicare pays and about 30% more than an insurance company pays.
Second, if I can't afford to pay it all right away, the government gives me a low interest loan to pay the bill and I pay the government back over time.
This wouldn't cost or make the taxpayer anything. The interest charged should just be enough to cover the administration costs of overseeing the loan. The government wouldn't really be providing insurance to compete with private insurance companies.
It would provide me some piece of mind. I used to have a great job with good pay. My wife and I raised our kids, helped put them through college and paid off our debts. Now I find myself unemployed because of the economy and when the COBRA runs out, uninsured also. I don't want a free ride, but I don't want one serious accident or illness to make me loose my home or force me into bankruptcy. My above proposal would give me the protection and need and not cost the government anything.
Bye for now. Doug
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