There's obvious no consensus in Congress over health care reform so, today, on News Talk Online on Paltalk.com I proposed my own plan which I believe to be more palatable than any other that's thus far been offered.
First, I note that the health insurance industry does not want the government competing because it fears a federally funded option would put them out of business.
I also note that unless you are employed by a company that offers health care benefits or very poor - in which case the federal government already pays for your health care, you don't qualify for health insurance. Hospitals still have to treat you though. So the cost of health care for the rest of us goes up.
The problem is that people who are self employed, working for companies that don't offer health insurance, work part time or are students can't afford health insurance at current rates. So here's what I proposed for them.
Every medical insurance company in the United States will have to provide an affordable basic plan for those who can't afford coverage now but are not so poor that they qualify for government funded plans. A premium cap should be set by law to ensure that everyone in this group can get in. Basic coverage should also be defined by law.
Under my plan, the federal government would not get involved in health care, with the exception of regulating the private insurers to ensure compliance.
In return, Congress should pass tort reform to reduce the risk of medical practitioners and bring down health costs. Patients who are victims of medical malpractice should still have some recourse, but a reasonable cap should be established.
Also, the FDA should loosen some restrictions on the pharmaceutical industry to reduce the costs of prescription medicines and make them affordable and accessible to all. The costs of pharmaceuticals in the United States far exceeds that in other parts of the world.
My plan protects the private insurance companies, provides health care for all and doesn't cost the taxpayers a cent.
I know this is way too simple and represents common sense which is terribly lacking in Washington but I believe it would work.
What do you think?