The Problem With Health Care Reform, Part 2 - How Much Should Health Care Cost? And Who Pays What?

In Part 1, I opined that insurance cover plan could easily be addressed to the extent similar to automobile insurance coverage. I suggested that everyone may possibly covered by catastrophic medical coverage with a high yearly deductible & normal month-to-month expenses are paid a lot poorer... much like when you fill your gas tank without the help from the 'Good Hands' people, a natural lizard or a caveman.

Here I suggest how much and who pays what is. As previously mentioned, everyone pays an affordable premium in their high-deductible catastrophic medical care policy. Now $5, 000 in out-of-pocket expenses may seem expensive. However, all health-related expenses and fee payments 100% tax deductible. Today, only companies can deduct the expense of health care but that will actually change. Plus, all existing Flex Systems and pretax incentive functions would still exist and may perhaps be enhanced in coverage and don't scope.

Additionally, co-ops and med-club memberships would surely manage to further reduce the out-of-pocket will surely cost of routine check-ups and medical visits that will actually incent well being, healthy life-style preventative care and examinations. (Doctor Sam's Club? Costco Challenge? )

How much would from insurance cost? I imagine that generally , a flat-rate premium would be established that will be universal for all. With everyone leading to a universal coverage suggestions, the sheer volume employing contributions would keep installments low. And there would be try not to government intervention, just error in judgement. And of course, advice about low-income families. Remember, we are happy to help individuals stay healthy! We truly realize it is far cheaper in order to prevent than to fix and maintain. Another way to protection premiums low is possibly there is some way to add penalties and fees for unhealthy lifestyle. Period! Political correctness stinks! Typically, this would be generally , a 'fat tax'. If kind offends, then think of this as a 'really ineffective lifestyle choices' tax.

People who voluntarily decide to get unhealthy (a matter younger when, not if! ) in addition to significantly overweight, and extremely overwieght, the cigarette smokers and other tobacco users, alcohol and drug abusers and 'coach-potatoes' will likely pay a premium within their unhealthy life-style choices. Typically, choose healthy habits, pay less for health coverage so are much less likely to file a suit. Chose unhealthy lifestyles, fine - but you obtain it, not those who chose to handle themselves.

I am it's really no bark-munching, temperance toting, smoker-hating vegan. I completely understand a person finer vices of time. There is nothing wrong with a double-burger with fries... once in a while! A great cigar towards single-malt... Nothing finer... but not every day! Sit inside recliner with a lager, a pizza and anterior to the game on television... what a wonderful way to spend a rainy Saturday inside fall. Once... maybe two times a month... NOT every weekend and will never every day! A merriment diversion... a once-in-a-while recreation... a treat or excursion - just because you can does not entitle that you diligently doing this as a lifestyle! Choose to do so do, fine... but not at the expense of others! Not nowadays...

I would suggest there turn into a gradual conversion period where unhealthy people may get the advice, counseling, medications, rehabilitation and assistance in order to master healthy lifestyle techniques, result unhealthy habits, drop extra weight, get the blood pressure down using blood sugar and fats under control and a reasonable time to convert to cook. Life is all inside choices - hey, can't drop the smokes nevertheless able to Cheesy Fries with Lesser sibling McWhopper Buffalo Wings from your drive-thru, fine - you simply pay your great amount - a premium signifying your choices. Simple, right?

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