Conservative health reforms. what do you think?

I wrote up this huge response to some liberal's health reform question only to find the question was removed before I could post my answer! D'oh! I decided to post it as a question instead. I'm so sick of ignorant liberals who don't know what they're talking about claiming that Republicans... show more I wrote up this huge response to some liberal's health reform question only to find the question was removed before I could post my answer! D'oh! I decided to post it as a question instead.

I'm so sick of ignorant liberals who don't know what they're talking about claiming that Republicans have no ideas for health care reform.

Here they are for like the gazzillionth time.

1) Open up competition by removing laws that restrict interstate insurance sales. There are 1300+ health insurance companies in America, but if you live in California, for instance, you can only purchase insurance from 6 of them due to state law. Congress has the power to regulate interstate commerce and should exercise that power. If Obama wants more competition, why doesn't he support this reform?

2) De-regulate health insurance so insurers can sell a wider variety of policies. Right now, every state has strict guidelines on what care insurance has to cover. As a result young healthy people can't buy high deductible, catastrophic only policies. Millions of the uninsured are just those kind of people who don't want comprehensive insurance. Having catastrophic only coverage means you simply pay out of pocket for routine stuff like doctors visits and routine prescription drugs.

3) Expansion and improvement of health savings accounts, wherein people can use the saved money to either pay for health care costs directly, or buy insurance of their choice, rather than choosing only among the insurance provided by their employer. This would also sever the tie between employers and insurance, as the employee would own the policy and keep it if they leave their job. The HSA would add a free market element to health care purchase decisions that would lower costs by making health care users into prudent buyers..

4) Medical malpractice tort reform. By some estimates, the annual cost of MM liability insurance, and defensive medicine practiced to avoid lawsuits costs as much as $200 Billion a year. One suggestion is to set up a medical malpractice arbitration fund paid for by a tax on insurers. Potential claims would be adjudicated by medical experts, and law suits against health providers would be illegal. The current system is basically a jackpot system that funnels a lot of money to trial lawyers.

5) Make all health care expenses tax deductible, not just when paid for by an employer, when they exceed 7.5% of AGI.

6) Administer govt run health plans like medicaid and medicare through tax credits that allow seniors and poor to go out and buy their own policy rather than being stuck with the one policy offered by government. For those of you in Rio Linda, a tax credit is different from a tax deduction. A tax credit is available to anyone, not just those who owe taxes.

My suggestions, don't cost anything, in fact they save money and get more people covered. One problem with health insurance, be it government or private is that a third party is paying for your care, so you have no incentive to shop around for a good deal, and providers have no incentive to become efficient. Just look at the cost of treatments like laser eye surgery that isn't covered by insurance. That surgery has improved, and come down in cost 80-90%. Had it been covered by insurance it probably would still cost $5000 per eye.

Obama and Democrats don't support any of these reforms. Not one of them. How dare liberals say that it is Republicans who don't want real reform. It is Democrats and Obama who simply want to expand the status quo.
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