a reply to: Blazemore2000
Really? No Rebulican has given a viable, cost effective, Government cost lowering plan? Really??
"In order to right the ship, we need to return the responsibility for good health care to the patient and the health care provider. One of the best
ways to do this is through health savings accounts, which patients can control. Even if the federal government provided such an account for every
American citizen that was increased by $2,000 each year, it would cost less than $700 billion a year and everyone would be covered.
Keep in mind the fact that more than 150 million Americans are employed and their $2,000 per year in most cases would be happily supplied by the
employer if that was their only health care obligation. This would make employers much more likely to want to expand their businesses and hire more
people, and it would decrease the government’s entitlement obligations by hundreds of billions of dollars per year.
At least a quarter of the $2,000 per year would be devoted to bridge insurance or catastrophic insurance, and all citizens would have the right to
contribute to their health savings accounts from other sources without limit. It would also be possible for people to transfer funds between accounts
within a family.
For example, if a husband needed care and was a thousand dollars short, his wife, son, daughter and father could make contributions from their
accounts to cover the expense. This would essentially turn each family into its own private insurance company with no middleman.
It should also be possible for everyone to donate up to 5 percent of the value of their health savings accounts to anyone of their choosing in any
given year. For example, if there was someone in their church or an associate at work in need and for some reason didn’t have adequate resources in
his account, his fellow members and associates could band together and donate a portion of their accounts to cover the expense.
This would create a strong sense of community, which is a very good thing. Since one could pass his savings on to a family member or anyone of his
choosing at the time of death, there would be no incentive to spend everything in the account before dying.
Over the course of a lifetime, it is likely that most people would have accumulated quite a significant amount in their health savings accounts, and
it should be possible after reaching a certain dollar amount for people to withdraw a percentage of their savings for their personal use in any way
they deem fit. For some elderly people, this could serve as a very nice retirement supplement.
As time passed, individuals and families would accumulate extremely large amounts of money, and the government obligation would become smaller.
Instead of the government becoming a bigger part of each person’s life, it would diminish, reducing the need for ever-increasing revenue streams.
This is just the basic framework of an alternative system to Obamacare that involves thinking outside of the box. With additions from positive and
creative individuals, it could provide universal coverage that is simple to understand and truly affordable."
Written by Dr. Ben S. Carson, a professor emeritus of neurosurgery at Johns Hopkins University.