Economical Solution for Health crisis and Insurance in the USA Pt1
Medical care and the health insurance dilemma in the United States permeate and erode the core of Americans’ quality of life. Our congress men and politicians are disintegrating to produce solutions with state and federal mandates for one of the most expensive problems our nation faces today. Documentaries like “Sicko,” with Michael Moore, and many other television stories and newspaper articles scream the need for change. As endless inflation of medical services and prescription drugs increases, the bureaucracy of insurance providers tracks premium increases and reduces the quality of coverage for most Americans in their health plans. Pharmaceutical companies are under constant scrutiny to offer more competitive prices but face little regulation compared to foreign countries that have chosen to impose endemic cost controls on the perceived needs of their individual society. So, faced with such a negative equation, how can a capital-driven society, such as the United States of America, renew its healthcare system and still maintain the theology of “choice” and “capital market competition”? And how do we do it without killing more Americans?
To answer these questions it is necessary to take into account what works and what does not work in American society as well as in other societies where socialized medicine is the norm. The problem that Uncle Sam and many American entrepreneurs have with socialized programs is the ability of these programs to denigrate a society’s progress and move away from our independent, financial, and health roots. To continue allowing health care providers to provide their billions of dollars of investment (a fundamental pillar in our financial structure) and still care for all Americans who are sick, we must radically change the way in which the risk of such a disease Health problems are transferred, but they still charge regular contributions from taxpayers to fund the collective system. My proposed solution will be explained in this article in relatively simple terms, forming a basic architecture for Marketplace health insurance 2020 that will allow independent insurance providers such as www.healthinsurance2020.org , independent hospitals and physicians to remain independent, and pharmaceutical companies remain competitive and profitable, while ensuring all Americans.
I would propose a three-tier system for all types of health insurance, prescription drugs and medical service providers:
I. Method of insurance
For insurance companies to remain profitable and offer 100% basic health coverage to all Americans at the same time, they need a combination of the net effect of socialized medicine and US free trade. The federal government must create a fund that closely mimics a reinsurance company. Most insurance companies, whether in the health area or in commercial insurers, have large contracts and reinsurance policies with significant funds. A classic example is the “General RE” of Berkshire Hathaway, which signs some of the world’s largest global policies in its niche. For purposes of description, the federal government should take the opposite approach of a highly taxed, nonprofit insurance and health insurance system, creating the world’s largest reinsurance vehicle. The reinsurance department is funded by A) a percentage of all health insurance premiums of all health insurance companies, and B) a 1.5% increase in federal income tax for all Americans.