Tag Archives: Affordable Healthcare Act Obamacare Corruption Supreme Court Repeal

A Simple Replacement for ObamaCare

HEALTHCARE REFORM

The obvious solution to the health care problem is self-insurance. The Obama Tax is designed to effect those who are young, healthy, and can afford insurance. Who makes the decision about what someone else can afford? But that is beside the point. The point is that if one is young and healthy and can afford insurance, then one can probably afford to pay their medical bills, and in fact they probably DO pay their medical bills. Under the Affordable Care Act they will be punished for being responsible.

The folks running up the tab at emergency rooms are people who are young, healthy and CAN’T afford health insurance, but don’t yet qualify for medicaid.

If we really want what we say we want, patient centered affordable health care, driven by market forces there is a very simple solution; self-insurance.

Average lifetime medical cost per person was roughly $360,000 in 2004 according to a report by Health Services Research. If one were contribute $266.00 per month into a modified Health Savings Account, even at a modest 3% return, they would have enough money to cover their lifetime medical expenses. That is less than the cost of an average insurance plan these days.

Certain areas of the health care arena are already driven by market forces. Those areas are for elective procedures that most insurance doesn’t cover.

A good example is Lasik eye surgery. This is a technique for correcting vision via laser surgery. Lasik is not covered by most insurance, since it is an elective surgery. When it first became available, it cost on average between $2,000.00 and $3,000.00 per eye. Today the cost is about half.

Why the price drop on a highly skilled high tech procedure? Market forces. Most insurance companies don’t cover this procedure, so the customer must pay for for it out of their own pocket. As more physicians have become proficient in the operation (increase in supply) the price has gone down (to meet demand).

A study of any elective procedure which is in demand, but not covered by insurance, will show similar cost reductions.

The easiest way to reduce medical costs is to get rid of insurance altogether. The insurance companies won’t like it, and government fiat may not be the way to go here, but if everyone was invested in a medical savings account that they had control of, was tax free, and could be used for any health related expenses, not only would everyone have coverage, but they would put downward pressure on the cost of entire health care sector. The account would accumulate year after year, so that when the money was really needed later in life, it would be there. There should also be a provision that whatever is left in the account after the owner expires becomes part of the decedent’s estate, thereby providing incentive to leave some money in the account. It could also be used to defray burial expenses. Since everyone is paying for their own healthcare out of their own pocket as it were, they would tend to take better care of themselves. Everyone would have skin in the game. Therefore this type of system provides an inherent incentive toward better health.

A program could be structured so that one savings account could cover a family, in the same way insurance does now. This eliminates the removal of children under 26 argument. It also eliminates the pre-existing condition argument, since the money from one’s health savings account could be used for any health-related costs, including prescription drugs and other medical devices.

For the truly incapable, some system for funding their Health Savings Account could be worked with a refundable tax credit. Those who are at or below the current income level for medicaid insurance could have an amount equal to the requisite contribution credited directly into their health savings account, with a sliding scale up to 150% of that income level. As for employers who currently pay for some or all of their employee’s health insurance premiums, they could use pre-tax dollars to contribute to the employee’s account.

Medicare would need to be left in place for anyone at or above the age of fifty-five, but for those younger, a refund of the amount they paid into the medicare system could be credited to their savings account.

As for catastrophic occurrences, the insurance companies could offer low cost, very high deductible plans, those formerly referred to as major medical plans, to cover high cost, unexpected illnesses. More importantly, though, it should be possible to make a charitable contribution to someone else’s health savings account to help them defray the cost of an expensive unexpected illness. If we are our brother’s keeper, we should be able to be so without government intervention.

The question is one of belief. Do we believe as the founders of this nation did, that the individual is wise enough to make his or her own decisions and provide for his or her own needs, or do we believe that the citizens of this great nation need the government to make all their decisions for them, that they do not have the intelligence or wherewithal to care for themselves? If we believe the latter, then the Affordable Care Act is perfect. If, however we believe the former, that liberty is worth having and that the fruits of our labor should be our own to decide what to do with, then perhaps a health care program such as the one laid out above is the way to go.

The Real Answer to Obamacare

Obamacare is now constitutional. At least that is what the majority of the highest ruling body in this land has stated. And the Supreme Court is the lone group who determines what is and what is not constitutional. But what if they are wrong? The majority of the American people say they are wrong, since the majority are against Obamacare. So what do we do? Revolt? Storm DC? Write Letters? Gripe? Pray? Vote? Of the aforementioned actions, the only ones needed and that will work are the last two.

First we pray. As always, God has the answer, God IS the answer. We should humble ourselves, seek His face, and turn from our wicked ways. Sound familiar? It’s not just a good Bible verse. It is the answer. Then, after effectively seeking God’s grace and mercy in prayer, we should act.

This is the second part. We can blame Obama until the cows come home, but Congress passed Obamacare. As much as Obama needs removing, the replacement of members of Congress is just as important, maybe even more so. Let’s return to the thinking of our founding fathers and elect representatives and senators who actually go to Washington to vote the will of their constituents, then after their service, return home, so a new batch can be sent. Career politicians stink , and the longer they stay in office, the worse they stink. It is true there have been some who have served more than one term and remained absolutely faithful to principle. But you can count them on one hand. Out of the hundreds of members in the House and Senate, you have to search long and hard to find them. Career politicians just can’t be trusted. Understand I am speaking of Democrat and Republican.

My point is, re-election is just not the way to go. It is the road to corruption and failure. Some enter office with good intentions, but eventually corruption prevails. It’s time to clean house…..and the Senate too. Do not re-elect anyone! This cannot be said enough between now and November. This is the only hope of repeal for Obamacare. It’s time for some new blood. It’s time to send some fresh minds to Washington for them to perform the will of the people, and when they do, let’s not reward them with another term, but with a trip back home where we can thank them and congratulate them for a job well done. Then let’s send a new batch for the next round of business.

So in November, let’s begin the replacement. It will take a few years to get through the terms of everyone currently there, but it can be done. Let’s pray, then vote, then pray again. This is the answer.

Joseph Harris, [email protected] s been a college professor and pastor since 1987 and his writings have appeared on stupidpoliticians.com, WND, Sword of the Lord, Intellectual Conservative, Conservative Daily News, Canada Free Press, Land of the Free, The Post Chronicle, News America Daily, and The European Union Times.