What about:
🔅 repeal individual and employer mandates
🔅 allow ins companies to sell across state lines and w/o EHB regulations - but they must offer at least one Comprehensive option that is affordable
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🔅 anyone eligible for subsidy auto enrolled in catastrophic plan (non-Ocare)
🔅. Ppl not enrolled in Ocare EHB plan for over 6 months, can be charged market rate for 10 years if they want to later buy comprehensive plan
The first item restores "liberty" of not forcing people to buy a product.
The second allows individuals to buy whatever policies they want that companies will offer.
The third raises revenue for the system to replace the mandates and stabilize the system that allows everyone to be covered even with pre-existing conditions.
It's important to have a stiff penalty for people who choose not to have insurance for significant time and then later want coverage. Of courses there'd be hardship waivers where it made sense.
The end result would lower premiums for everybody, and increase accesss for millions.
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In my opinion, the AHA Tax created more problems that it fixed. For example, my best friend is age 58, makes $60,000 per year and is single. He had to pay $1,100 per month for the AHA, had a $10,000 deductible and then had to pay 50% of the medical bills.
Just how the hell is that "Affordable Health Care"? He had to eventually drop out as he hadn't enough money left to live.
Don't misunderstand me, access to health care is a legitimate debate, but this was a terrible way to go about it. Not that the republicans have any answers either. What both parties have found is that there is no silver bullet solution we can afford.
Here are my thoughts.....
A menu based system. In it we can do several things. For example, we can increase personal Medicare tax 50% (it's a pretty cheap tax to start with) and send the money direct to the states to bolster their state medicare programs. We can also encourage free healthcare clinics (did you know they were outlawed under the AHA? True. One close to where I live was forced to close by the feds for that very reason). To do so, tax incentives can be provided to also encourage doctors at for pay clinics to perform more pro bono work. We can offer incentives for new MD grads to work in urban clinics for lower pay and have their college debt forgiven. Another idea- assign uninsured people to heathcare providers and make them absorb the costs (I know they will spread those costs around, but it's not too big a hit).
By providing a menu of options, states and local areas will have the freedom to use what works best for them rather than a repressive tax.
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