Here's what I just sent to my paper...and to my senator...(the 250 words for the plan is based on the paper's editorial requirement). No one's talking about the culprit here--Insurance Companies. The following reforms our broken system rather than replaces it entirely...and puts the onus on the Industry whose profits have QUINTUPLED in the last 8 years alone.
Let's start talking about REAL costs and REAL reform, people!
And yes...I'm putting my name on the bill!
Healthcare For Every American In Less Than 250 Words.
The Dan Evans Bill (the 51 plan) requires:
(start wordcount now)
All Insurance Companies are hereby required to offer quality, 90/10 comprehensive health coverage policies to every American, regardless of sex, age, or pre-existing condition, and offer those policies at a monthly premium of no greater than 51 dollars per person, per household. (a family of three would pay $153 a month, for example).
All Americans are required to obtain health insurance under the Dan Evans Bill—either by KEEPING the ridiculously overpriced policy they currently have (or the policy their employers continue to pay, including this one)…or by availing themselves of this new, baseline alternative.
With 300+ million American men, women and children, this plan would generate a minimum 1.5 TRILLION dollars in annual premiums for the insurance companies—2/3rds of what we currently spend annually. With people KEEPING their ridiculous premiums? Possibly three-quarters of our healthcare spend of 2.4 Trillion…in one, regulatory swoop.
Insurers are permitted to supplement the basic national plan with additional coverage (full coverage plans, higher medical and dental coverage, etc.) Look, more money!
All policies (basic and supplemental) are charged an extra 1 dollar per month to defray the cost of proven, low income families (based on the current SCHIP scale) who cannot afford the basic plan. (Hence the $51 instead of $50.)
Not only could the above conceivably replace Medicare in a logical fashion one day…it would finally see to it that Insurance Companies compete on service again, rather than price, people or pre-existing conditions.
Let THEM fight the providers to reduce costs. Not us.
That's 250 words. My final comment is:
The insurance lobby is too powerful to beat, with lined pockets on both sides of the Congressional aisle. So we need to force them to make…just a little LESS money. So the CEO of United Healthcare makes 67 million instead of 73 million next year.
I can live with that. My guess is so could millions of other uninsured people.
Under the Dan Evans Bill (the 51 Plan), Insurance Companies are forced to do what's right. Because they obviously can't figure that out for themselves.