Health Care Revisited: One Man's Solution

Obama, the High Lama has reopened the "national health care issue". His intent is to further bankrupt this nation by spending more than One Trillion American Dollars to "fix" the health care "problem". Of course, as always, his "solution" is to "socialize" medicine and thus put an end to freedom of choice for the doctors we visit and the medicines we consume. As we have witnessed in Canada and England, socialized health care has placed so many barriers and limitations that citizens of those countries do anything they can to see an American Doctor and get American Health care. Why is that? Do they know something we do not? Of course they do! The simple truth is that socialized medicine has never worked and will never work! So, how do we resolve the issues of high cost for health insurance, which is mitigated by high costs of pharmaceuticals and outrageous costs of liability insurance for doctors. Hence, the reason so many doctors are going into fields of research and will no longer practice medicine. We all know the reasons for these exorbitant costs. Pharmaceutical companies must charge very high prices due to the facts research for newer medicines is quite expensive; pharmaceutical companies have become the victims of their own success through rapid growth and unwieldy organizational decisions and many of the tax benefits for research costs have been eliminated by our government. Consequently, the cost of "doing business" is passed right on to the consumer. Adding to this upwardly spiraling cost for health care is the issue of medical practice liability. Legislators do not appear to be interested in "tort reform" because practically every legislator is an attorney. With "tort reform", "nuisance litigation" might cease and/or award limitations that would directly impact the cost of medical liability insurance. Additionally, competition for writing medical malpractice insurance is extremely limited currently. By expanding the number of companies writing malpractice policies widens the course for competition, which again directly impacts the cost of health care. Now for the ultimate answer to America's health care expense. We are intimately aware of "cell phone companies and their multi-faceted "anytime minutes" plans designed for maximum exposure to the consumer while limiting exposure to the cell phone provider. I propose a similar approach to health care costs in terms of doctor and emergency room visits. For example, one plan could provide for five visits to the aforementioned within some specific time period--per month or per quarter. That plan would cost some arbitrary amount. With fewer visits during that same time frame, the plan cost would be reduced significantly. In other words, the more frequently the plan holder visits doctors or emergency rooms, the more the plan would cost. And the beauty of this approach is that "pre-existing" diseases or ailments would not become a factor in writing the policy, as is presently the case with numerous health insurance policies. Too, this would initiate considerable competition within the insurance community to become more creative in the "plans" they offer, thus further reducing policy costs. In all, I believe the American consumer would benefit the greatest with this approach. What do you think? The saga continues....