Some Ideas for Real Health Care Reform?

This is a summary of proposed free market reforms.


                     Health Insurance USA
                            This is ³reform²
 
 Government
€ Change tax rules so that no one pays taxes on health insurance
€ Vouchers for Medicaid-eligible persons to purchase health insurance
€ Interstate sales allowed, without State-mandated coverages
€ States license insurers based on ability to pay claims
€ State civil justice reform ­ no non-economic damages
€ Repeal or downscale HIPA
 
Employers
€ Offer group plans, if desired, or pay employees to purchase individually
 
Consumers/Patients
€  Voluntary purchase of health insurance;
€ Select from a wide choice of insurers and plans ­ total choice
€ Choose providers and treatments as needed
€ Those without insurance are responsible for paying their bills
 
Insurers
€ Offer unlimited choice of deductibles, coinsurance, maximums
€ 60 day open enrollment once per year (prior didn¹ts; 2 years, etc.)
€ Insurers establish substandard risk tiers and rates
€ Non-profit uninsurable risk companies funded by insurers
€ Utilize standard claim forms
€ Offer credits for healthy habits on renewal
 
Providers
€ Publish schedules of all fees
€ Charge each patient the same fee for the same service
€ No special deals for different insurers
€ May discount for individuals
€ Utilize electronic records
 
 
            John F Brinson, Chairman
            Lehigh Valley Tax Limitation Committee