Quote:
Originally Posted by kkingston57
Had the same ?. Only alternative I could think of was a single payer system, which is used by 99% of the developed world.
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My solution would be a hybrid of commercial for-profit insurance and medicare.
BASIC health care would be covered 100%, no co-pay, no deductible, no max, courtesy of tax dollars. By basic I mean:
Annual physical and routine yearly bloodwork to support the physical and consultation with the patient to go over the results and make recommendations for treatments, if any are needed.
Minor wound care - cuts and scrapes, antibiotic ointments, bandages, and the like.
Prostate exam, mammography, pap smear, routine vaccines (flu, MMR for kids, for example), a full-body skin cancer exam every other year, routine eye test, routine hearing test, one regular dental cleaning per year, one fluoride treatment per year for kids. All of this would be covered - no one would be required to get all this done but if they chose to, it'd cost them nothing out of pocket with no insurance necessary.
Then everything else can be commercial, and people can pick how they pick now, with various types of coverage at various premiums, various deductibles and out of pocket limits, and so on. The 80/20 plans from before the ACA can return if the insurance companies want it again. Employers can benefit from group coverage for their employees, but they can pass on the premium costs to those employees and not have to pay for the coverage unless they want to (or negotiate it into a union contract if applicable).