Originally posted by Bardock42
One could have a sort of welfare/healthcare plan for people that fall below the minimum. What you are for is not universal health care though, I wouldn't mind such a system either though I see no reason why the government has to be involved, a free market could offer such a service just as well.
Universal health care is health care for everyone. Under the system I want, there would be universal health care.
Subsidy assistance for those who can't afford and an opt out option for those who want to pay for healthcare through their employers and supplemental healthcare for commerical plans that have "holes".
Then there could always be the option of a commercial healthcare equivalent. In this option, the citizen pays a commercial entity the same thing they would normally pay the Fed for the Universal Healthcare. The commercial entity could offer much better benefits at the same rate via PPNs(Preferred provider networks...in other words, an HMO option).
My proposal is already very similar to what we have in place already. It wouldn't be hard to make the transition. The difference between my program and what is in place with Medicare right now is I would have the end "insured" be directly paying the commercial entity for their coverage. Currently, it doesn't work that way. The Medicare recipient pays the Fed their Medicare fee regardless of who the insurer is. This is stupid because the government only pays the insurer a rate based on the number of "customers". This is wrong. Despite this fact, the Medicare replacement plans are still able to offer better plans than the federal government.
Of course, the subsidy for the poor would be necessary. One flaw I already see in my plan is the money available for subsidy. That would have to be remedied through a tax. I don't know where this tax would come from but it would have to occur. It could be in the form of a higher tax for the Healthcare itself. This of course, would leave the commercial entities with even more money. The government program would pale in comparison to the commercial plans. In fact, there may not even be a need for the government side of the plan.
This, of course, brings us full circle to libertarian ideals. The commercial and religious entities would be the ones to provide the "subsidy". Kind of funny how I ended up with a libertarian ideal at the end of this post.
I don't know...I guess my plan would work if the government taxes a portion of the premiums paid to the commercial insurance providers. The providers could still provide a much better plan for less money than the Fed does.(Because they do it now with Medicare.) Besides, more competition would create better Healthcare for all.