Health care

Here is a breakdown regarding health care. Employer 156 million Medicaid 62 million (including Obamacare) Medicare 43 million Uninsured 29 million Non group 23 million (those with individual private policies) Public 12 million (federal and VA) Total 325 million The Uninsured should be moved to Medicaid and this group should receive subsidies based on Obamacare rules. Medicare, individual and public should be left alone The employer group should use medical savings accounts and here is how these work. The average cost of employer sponsored health insurance is $18,000 per year for a family plan with employees paying on average $5,000 per year. The company can purchase plans with a $10,000 deductible for $5,000 per year and then put $10,000 per year for each employee into a health savings account. This will save the company $3,000 per year per employee and the employee will pay out of pocket for the first $10,000 of expenses each year using funds from their health savings account. Any money that is not used will carry forward and whatever is left can be used as a retirement fund. People will not use their health care without good reason and when they do they will shop around and the competition will hold prices down. Since people are paying upfront for most of their health care the need for filing insurance claims will only happen when annual expenses reach $10,000. With so many fewer claims the number of people handling claims will be greatly reduced and thus administrative cost will be lower. Providers will be happy since they will get paid when services are rendered instead of waiting for the insurance company. Health care professionals in consultation with patients will determine treatment instead of insurance companies. The additional cost of bringing the 29 million uninsured into Medicaid would cost 290 billion and if the employers put the $3,000 savings toward these cost that would be 468 billion and enough to pay for the newly insured. The downside is that millions in the insurance business and associated businesses will lose their jobs because there is no free lunch.