Quote:
Originally Posted by Ferd
First thing I would do is put the individual back into the financial part of the decision making process.
Right now most people have a form of HMO insurance where they have some minor co-pay. they dont care what something cost because they arent involved.
I think all insurance should be based with an annual deductable then a co-insurance like 90-10 80-20 70-30 etc with some max out of pocket.
make everyone have a health savings account that they put money into each year to offset the thier cost with incentives to save more and spend less from that.
DO NOT LET THE GOVERNMENT HAVE OWENERSHIP OF THAT MONEY
treat it like an IRA with the funds passable to decendants
TORT REFORM BIG TIME.
reduce paperwork.
I can go on.... that might be a GREAT thread. Im swamped now with work so I cant play more but there is no question that the system needs fixing.
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I'm 100% for letting people cross state lines to puchase health insurance. I think it would cause healthy competition among insurance companies and thus lower rates.
I support continuing to increase the number of nurse practicioners for minor ailments and things that shouldn't require a M.D.'s time. It'll be cheaper and cause less wait times in doctor's offices.
I think we should explore allowing pharmacists to write some prescriptions for minor or re-occuring health issues. Britain allows it under some circumstances. It would have to be regulated to not allow narcotics and powerful drugs to be included, but if a person has a upper respiratory infection with fever why should they have to go to a doctor for prescription cough syrup?
I support the federal gov't creating a public option that would compete with greedy insurance companies and cause them to actually compete on a level playing field.
I support a centralized database which decreases the amount of paperwork required, thus less costs, and makes the entire system work more efficiently.