Solution to Health Care in a Fair Market

This is a rough concept. The idea is that a for a system to work you need the free market to control prices. This can only happen if people spend their own money for the basis of their health care. In the even a serious condition occurs a catastrophic plan can kick in. If a person has a pre-existing condition they will max out their out-of-pocket then we will cover them as a whole under the catastrophic plan. We might never need it and there is no guarantee that any of us won't. Unless you are willing to turn away people from a hospital then we need a system that involves us as the individual and us as a whole to do what is best for yourself, your family, and your community to remain healthy without violating a persons individual freedoms.


The problem with health care as it stands today is that not everyone has insurance and the insurance model isn't driven by the fair market economy.

The answer is simple. Each person or family will maintain a medical spending account. You can then spend the health care dollars as you choose from this account. You will also have to apply some of this to the purchase of a catastrophic health care plan with a $5000 deductible. If you have more than $5000 in your account you will be refunded the money. If you did not accumulate $5000 for that year but have money left over you will have it carry into the next year until you have $5000.

This system puts each person in charge of their own health care costs which they pay for as a part of daily living. No one can be turned away and everyone is covered.

A family could hold maybe $8,000 for the 2 adults if married and the rest of the cost would be picked up but the catastrophic insurance which might go up slightly more than what it might cost for each individual to maintain it. Since everyone in society benefits from the healthy growth of society and new citizens to ensure the future then they can share a small amount in the costs of keeping those children healthy until the age of 18.

As I said this may be very small to almost no cost since children are usually healthy and since the parents are banking $8,000 in the system is is very unlikely a young family would ever spend that much. Bring the elderly into the system as well with a $5,000 requirement before getting a refund. Medicare can still supplement a percentage before the catastrophic insurance kicks in based on need.

So anyone can go to the doctor of their choice. The doctor bills the account no mater how much is in it because if the account hits zero the catastrophic plan takes over.

So where are people going to come up with this extra $500 a month. The systems in place currently handling these costs will finance the first infusion. This allows the people a $5000 buffer. So in actuallity the amount they pay would be just the amount to get the account up to $5000 for that year only. They continue to pay up to $5000 or until they have payed out $5000 in a calendar year. So the monthy costs can be as low as 0 up to $500 a month.

Companies currently paying insurance will be force to convert those dollars to salary compensation.

The benefits become obvious when people shop around for affordable health care. Everyone gets equal treatment. You have an insentive to stay healthy and if you don't it will untimately cost you more. The downside is that many families might avoid doctor visits to save money.