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A Superior Alternative to the Unconstitutional Obamacare

Yes, Obamacare is unconstitutional - there is absolutely no provision in the Constitution that gives the Federal Government the power to mandate you purchase anything - and certainly not to impose a penalty upon you for not purchasing something simply for living.

I thus offer an alternative that is based on reality, not politics.

Plank I.   Universal catastrophic coverage.

Every CITIZEN of the United States shall be covered by a universal, unlimited catastrophic health insurance plan for any hospital stay exceeding 2 weeks.    This plan shall be free to all American citizens while they are alive; when the citizen who uses the coverage becomes deceased, the estate of the deceased will be liquidated to compensate the Federal Government for providing this coverage; should the estate not cover the total amount, the taxpayers will pick up the balance.   Only the amount of the costs of the program shall be demanded of the estate and the Federal Government shall receive its share during settlement before the last will and testament will be executed.     Death shall be considered when the patient is declared legally brain dead and no option will be provided to cover the patient's costs if family wants to maintain life support.   Should the family pursue such an option, all life-sustaining coverages paid by the taxpayers will become due and payable immediately and may not be settled through bankruptcy proceedings.   No asset transfers within 10 years of death of the covered.

Citizens ARE NOT REQUIRED to participate in the Federal plan above; should a citizen have superior health insurance, the citizen my default to their insurance plan and not be subject to the requirements here; it is assumed that if you do not have insurance that you will automatically be covered by the Federal program and be bound by the requirements of that program.    A non-insuranced citizen may state they do not want to participate and no-extending-life actions will be undertake on their behalf should they be rendered incapable of making life/death decisions; should a family member intervene, then that family member shall be financially responsible for providing the resources to pay for extended care of non-insured.

Plank II.   Expanded free clinics.

Corporate income taxes will be cut by 50% for any corporation who will designate the other 50% of the normal tax rate to support community based free health clinics.    The 50% tax cut portion shall be apportioned to states based on population census of CITIZENS of the United States.    

Free clinics will only be available to CITIZENS of the United States and services will be provided on a sliding scale with means testing limiting access to 4x the poverty rate.   Fee schedules will be established with those incomes at 2x or less of the poverty rate receiving free basic coverage including checkups and minor emergency services.   At 3x the poverty rate income level the patient will be charged $20 per visit and will have to pay 25% of the cost of medicines.   At 4x the poverty rate income level, the patient will be charged $50 per visit and have to pay 75% of the cost of medicines.    No insurances will be accepted at the free clinics and costs will be paid at the time of delivery to reduce costs for billing.

Corporations will be able to adopt cities and be able to market "Free Clinic by Google" (or corporate name).   All non-adopted cities will have their funds provided through population apportionment.

The intent is to pull all Emergency Room traffic that is not life-threatening to local free clinics and hospitals may partner with corporations to underwrite the costs.

Plank III.   Total revocation of Obamacare requirements

At no time shall a CITIZEN be required to have health insurance and insurance will be required to be sold across state lines and an open competitive market shall be established; at no time shall one gender be required to pay for the health coverage of another gender; no abortions shall be covered at taxpayer costs; all requirements for free birth control shall be rescinded.    All CITIZENS will be allowed to purchase any level of insurance that they wish to purchase to cover the needs they identify.   Any NON-CITIZEN will be required to purchase insurance in order to receive ANY medical care in any health facility.    Failure of non-citizens to purchase health insurance shall result in their immediate deportation.

Plank IV.   Uninsured CITIZEN coverage

From time to time people fall in and out of economic circumstance out of their control - through illness or being layed off from work.    In order to provide coverage for these people for services not available at free clinics up to the catastrophic level, all citizens will be required to pay a 5% income tax to support this provision.   All benefits and incomes of all forms including unearned, earned, capital gains, welfare, retirement, social security, etc shall be taxed at 5% and is not subject to poverty or means testing.   Every citizen is required to pay for this provision.   There is no provision to rebate, refund, or to deduct this tax from any other tax obligation and is a requirement for all CITIZENS.     Non-citizens will be taxed at a 10% rate and are not subject to receiving any of this back in any form of coverage.     This coverage is a temporary 18 month coverage and can terminate even if the citizen's financial situation has not improved.   This gives the citizen incentive to find a way to resolve their temporary financial situation prior to the termination of the plan.

Coverage limitations - once used and the 18 months expires, a citizen may not apply for this coverage again for five years and there is a lifetime restriction of two, 18 month periods of coverage.

Plank V. Restrictions.

At the time of implementation, all family sizes shall be considered frozen for qualification of income testing and uninsured citizen coverage.    It is the responsibility for the males and females to act responsible for reproductive actions and the taxpayers will not in any way be responsible for the costs of additional children produced.    It is the intent of this law to require adults to act like they have a brain and to not undertake sexual activities that can result in pregnancy if they cannot afford to pay for the costs of the child(ren).   At no time will any abortion be paid for by the taxpayer even if that were to save the life of the woman - those costs shall be born entirely by the family of that woman.   Pregnancy comes with risks and this law puts the consequences for actions back onto those who make the decisions to act irresponsibly.   As life conceived by rape or incest is no different from life conceived through voluntary actions, there can be no distinct drawn on abortion.    All citizens who have insurance can choose to follow their insurance benefits, but the American taxpayers will not cover killing the unborn regardless of the reason.   This is not to make abortions illegal - just that the taxpayer will no longer foot the bill for careless decisions of citizens; a citizen who wishes to have an abortion shall have to self-fund or find some organization which will subsidize the killing of the fetus.

At no time shall any non-citizen be granted coverage under any of these provisions and are subject to additional costs for living in this country without the protection of citizenship; any non-citizen who receives health services shall be subject to legal status checks and those who are not in the United States legally will be deported immediately.

Any asset transfers to avoid the catastrophic coverage requirements within 10 years prior to the of the death of the patient shall be subjected to significant scrutiny to ensure that transfer was not to reduce the size of the estate on financial terms to save heirs a greater portion of the estate than they otherwise receive.    Violations of this provision can result in the entire confiscation of the estate without disbursement of remainder to the heirs.