The Campaign For DA

3.14.2017

I'm Running For President --- Tell Me Why My Healthcare Plan Would Not Work


Oh, come on. Give me a chance. 
How about this for a Healthcare Plan: Scrap everything you know.

Have the government take $300 to $600 (this cost will vary based upon income) every month out of your paycheck -- just like social security. That money is yours.  That is already happening but the money under the LiberallyLeanCare™ does not go to an insurance company.  It goes into an account which belongs to you, and you can even have investment options like an HSA. However, the money can only be used for healthcare expenses. If you get sick, you get to tap into it. If you don't, you can't touch it.  If you have routine expenses that exceed the balance of the account, you pay it. Just like if your refrigerator goes out -- you suck it up an pay for it. What about a catastrophic illness or injury? The government steps in to pay the cost with the taxes we are already paying. (And which is routinely happening these days. See Parkland Hospital.)

Here's the key: With insurance companies out the picture, hospitals and doctors have to compete in the open market because you have no limit on who or where you can go for treatment.  They would have to give you the best yet most affordable treatment to survive.  There would be no gouging. That's the problem with healthcare (i.e. charging $5 for an aspirin.)

You hang on to your money and healthcare costs go down. Genius. 

And if you get lucky enough never to have a catastrophic illness or injury, you will be sitting on a fortune. Just like Social Security, you get to use your fund for any reason once you reach, say, 65.

Medicaid and Medicare stay the same.

Green 2020.

27 comments:

Anonymous said...

Can you feel the insurance cross-hairs on the back of your neck yet?

Anonymous said...

Or you could leave the money and not make it available at 65 but it can be passed down to family upon your death. I like your plan and I'm pretty conservative. But I'm also tired of folks running to ER when they have a cold because they have a card. We need to stop over treating conditions. We also need to have some difficult discussions with our physicians some of whom are are either scared to talk about end of life or hope to bleed you dry with promises and false hope. None the less if you have had 4 heart attacks and been shocked back to life over and over....if the choice was leaving your family in with a medical cost nest egg or asking them to continue reviving you...maybe you'd decide differently. As it is there is no reason not to ask because it's not your money and it doesn't matter.

Baylor Too said...

$5 aspirin?? In 1982, maybe. Those were the good old days.

Anonymous said...

Plan goes to crap at "Have the government take ....". And you would make the money available to be pulled out at an age health care really does become frequent. Better stick to basketball brackets.

Anonymous said...

Works fine so long as you're okay with people dying if they have a catastrophic illness or car wreck or something unexpected--all the things for which insurance is needed.

wordkyle said...

"Have the government take $300 to $600....It goes into an account which belongs to you..." - Those two statements don't go together. If the government takes money from you, it becomes the government's money.

Anonymous said...

Yes let's trust the government to withhold our money and set it aside in a account since social security has been such a success!

Anonymous said...

and Warren Buffett's already trying to pot your death. You will kill the insurance industry and where will those jobs go? Your going to tell a middle aged white guy, to go pick onions?

This is just as about as dumb as paying a blood sucking attorney $300.00 per hour.

#dumb
#USSR
#Commi

Anonymous said...

@3:14 Learn to read.

Anonymous said...

OMG!! I agree with Wordy. Your plan does sound good. Until someone from Texas moves it to the general fund...lotto.

Anonymous said...

Skippy, where do you get that Social Security is mine to use at age 65? The government doles it out monthly. If I had been able to invest the money that the government takes out for social security, and put it in my own 401K plan, I would be a wealthier man right now, and I would have been able to draw it all out instead of a measly check every month. Stick to chasing ambulances.....

Anonymous said...

https://media.giphy.com/media/xUPGcLKuGsvaK43kSQ/source.gif

Anonymous said...

All it takes is one large health issue and you will be broke if you have no insurance...that is if you don't quality for medicaid others help.

Anonymous said...

Two words example of that "Social Security"

Anonymous said...

And what about those 14-20 million Texans that can't afford to pay everyday living expenses because a third of their paycheck goes to insurance? The folks that currently choose a roof over their head versus health insurance.

Anonymous said...

Barry still thinks that there is a Social Security trust fund? Is it in a "lock box?"

Anonymous said...

Barry@wisecounty.com
Ahem I had a rather interesting comment in mind but when I started typing the preceding email address defaulted in no matter what I did. Nothing worked including pulling out and starting over.
That's what she said.

Anonymous said...

What about children?

Anonymous said...

It's still to many, but your number should be 4.3 million.

DF Fake News

Anonymous said...

Barry is feverishly brushing a pony.

Anonymous said...

@3:27, I read just fine. The government doesn't pay those things now; they are absorbed by the healthcare industry and paid for by the exorbitant prices the rest of us are paying for regular health care expenses. Only in BG's plan, the health care industry is in free market competition so we're all paying dirt-cheap prices. Therefore no overage to pay for indigent care.

Anonymous said...

Skippycare.

Anonymous said...

Another $600 comes out of my check, and me and my family are out on our asses. No thanks, I choose a roof over their heads and groceries to eat.

Anonymous said...

skippy, you DO realize that $600 a month for 40 years only totals $288K? it would hardly cover the average person's health care costs for a lifetime, much less cover a family.
you need to consider reducing what is actually covered by health insurance and limit those items to the most costly. you also need to consider what is costs the average family to cover indigent care.
but go ahead and run for President, i'd like a look at your family tree and your taxes.

Anonymous said...

Thought you might appreciate this cartoon about Obamacare and the republicans dressing it up.

https://townhall.com/political-cartoons/2017/03/12/149377

Anonymous said...

$300 to $600 several times over, YOU need to pull out your money and give it to a few of your fellow citizens, my friend. They don't want to pay, or can't. And they'll take that money and buy an IPhone instead, while sitting on the couch developing a mighty fine case of obesity and all its associated disease. And, does anybody invest to develop drugs, or become a doctor, or build a hospital, or create the medical device that saves your life...in this future world you've built of low cost health care? Yes? Who? Who's going to go to medial school to make less money than a barista at Starbucks? Or spend hundreds of millions on research to develop a cancer cure that you can buy for a few bucks?

Firefighter Ted said...

I had to sleep on this idea because it sounded cool at first. BUT...
I have a family of 5 and I pay $150 a month with a $1000 deductible and I only pay a $25 copay for exams and $10 for meds. I had major heart surgery 3 years ago that cost the insurance company $250,000, I know you said the Gov would step in for the biggies, but now I see 5 different doctors at least twice a year plus blood work and medications.(Cardiologist, pulmonologist, general practitioner, optometrist, dentist) There's no way $300 a month is going to cover all that plus once a year for my wife's doctor, gynocologist, dentist and optometrist and my 3 kids' doctor, dentist, and optometrist. And then if something new pop's up! If I'm on the hook for overages even if your plan does bring the cost down I don't see a way any doctor is going to work for less then $100 dollars an hour. They still have to pay their nurse and receptionist, oh and med school loans and MALPRACTICE INSURANCE. Instead of getting the tests I need I'll be skipping them to save money that i need for my kids activities or food or clothes etc. Insurance right now is about betting on our health. We only lose if we never get sick, but we all get sick at some point. No one lives forever. With your plan I only win if I stay healthy for a long time. By the way I had a heart attack at the age of 36, hereditary.