Okay geniuses on both sides - HOW to fix Healthcare

[Bo-4]

It's hard and complicated ? (Trump)as we've seen today .. Amiright?

Looking for your ideas and here are my super-simple bipartisan fixes:

1) The primary issue (in my feeble mind some would argue that it carries weight ;-) is that several states have ONE provider and they are F-ing folks on premiums. Bo is NOT opposed to capitalism and competition. So the idea of eliminating state lines is fantastic. You can buy auto insurance from national companies like Geico and Allstate .. why (TF) not health insurance?

2) Do the same thing with prescription drugs - I'm not interested in buying such from Mexico - but Canada (where they are 1/2 or less the price) ... WTF and why not? Again - Bleeding Heart Lib-Ruls can be capitalists too but Big Pharma stands in the way of THOSE guys who are bought and owned ALSO ...

That's IT - Free Markets Bay-Bee .. but if you toss 20m folks off their insurance (per RyanTrumpCare) then you face a magnormous backlash (most of whom are TRUMP voters in the rust belt and elsewhere) -

Even RW governors like Jan Brewer, Rick Snyder and John Kasich BEGGED to keep Medicaid expansion which has worked out VERY well for their HOSPITALS (don't get me started on the latter - they are saving bajillions not having to deal with FREELOADERS) ..

Funny - Republicans USED to HATE freeloaders who flood ERs by the buttload - welcome to 20 million more clowns!

Everyone needs healthcare - If you won't embrace single-payer .. then let's see your alternative for all to behold!

#end-rant/

[Peter1469]

The problem seems to be people who can't get coverage for whatever reason.

Expand Medicaid (on the cheap as I have said- see Remote Area Medical) to cover them and let the market work for the producers in society.

[Private Pickle]

Gotta limit pricing and costs on vendors and providers... Sorry...it's regulation on a free market but it is what is necessary.

[Cletus]

Health care providers should be treated like plumbers or any other skilled tradesman. They are nothing special.

[DGUtley]

Off the cuff, and ignoring constitutional issues: What about letting everybody purchase cat-coverage through medicare, if we want backed by the states or the feds. In the insurance industry, it's not the five million dollar claims that hurts you, it's the million five dollar claims. If you purchase private insurance for the first one-hundred thousand (or fifty or whatever) a year or so, and then it flips to medicare, we'd see an explosion of the private insurance market. The admin cost would be on the lower policy. Kind of like umbrella coverage.

Just throwing it out there....

[Common]

Single payer is not going to happen in the US. People need to be realistic in that they are never going to shutdown all health insurers put who knows how many thousands out of work. Have investors lose all their money over night and then dictate to Drs and medical providers how much they are going to get paid and what they are going to do.

Aside from that the majority of americans who have health insurance arent going to go for it.

Obamacare regardless of what they left tries to tell us all is not doing well and is unpopular. Fixing it seems to be an overwhelming task.

Before Obamacare there was medicaid and hospital charity care. NO ONE IN AMERICA went without healthcare including illegal immigrants.

For those that arent aware medicaid is the most comprehensive cadillac health insurance anyone can have. It not only covers ALL medical and procedures absolutely cost and copay free. It covered Dental care and Hearing Aids and everything else.

How to fix it I honestly have no clue

[resister]

Get in a time machine and prevent Obama from fixing something not broken and effectively breaking it.

[Dr. Who]

Off the cuff, and ignoring constitutional issues: What about letting everybody purchase cat-coverage through medicare, if we want backed by the states or the feds. In the insurance industry, it's not the five million dollar claims that hurts you, it's the million five dollar claims. If you purchase private insurance for the first one-hundred thousand (or fifty or whatever) a year or so, and then it flips to medicare, we'd see an explosion of the private insurance market. The admin cost would be on the lower policy. Kind of like umbrella coverage.

Just throwing it out there....

However, you are actually increasing the costs of administration, which are borne now by each carrier as well as the government. Why not instead have single payer and have the state governments buy cat coverage? They could have a quota share or surplus treaty that covers all losses over a certain threshold, but is administratively light. The government runs a bordereau of all claims over a certain value and submits the excess to their carrier for recovery. Some years the reinsurer will be the winner and in others the state will be the winner. Meanwhile, the state gets all of the premiums for the healthy people who almost never need healthcare.

[Common]

However, you are actually increasing the costs of administration, which are borne now by each carrier as well as the government. Why not instead have single payer and have the state governments buy cat coverage? They could have a quota share or surplus treaty that covers all losses over a certain threshold, but is administratively light. The government runs a bordereau of all claims over a certain value and submits the excess to their carrier for recovery. Some years the reinsurer will be the winner and in others the state will be the winner. Meanwhile, the state gets all of the premiums for the healthy people who almost never need healthcare.

Doc do you think the US will have single payer anywhere in the near future ?

[Dr. Who]

Doc do you think the US will have single payer anywhere in the near future ?

Probably. The costs are increasing exponentially because of special interests. Neither doctors, big pharma or insurance companies can keep adding to the bottom line by increasing their profits without the product, if you want to call it that, becoming unaffordable.

The practice of medicine was once considered a vocation, not a ticket to wealth. The problem is now that health care in general, is just another way to make a lot of money for many people, from the medical practitioner, through the drug companies to the private hospitals. If you keep on piling up the profit margins, you start limiting the number of people who can access the product. It's kind of the opposite of manufacturing, where automation is making wigits cheaper, although if the actors in this scenario keep going forward, demanding more and more for their services, they will eventually find themselves automated out of existence. That especially includes doctors. In the interim, something has to give because health care is something that people cannot realistically do without unless we don't care if people die of treatable disease.