Putting the decision in the patient's hands
It is time to empower the citizen, the taxpayer, the patient on what insurance they want to buy and to only have that person to determine the availability of insurance to him/her.
First, let's not put any requirements for what the insurance should cover. No male should be required to pay for female care. The insurance buyer gets to determine levels of coverage and to pick the deductible to match. Citizens are free to avoid insurance at their peril and they will be subject to repayment via civil action without any bankruptcy discharge contingent and limited to catastrophic coverage that kicks in the following section.
Second, let's abolish pre-existing condition coverage and shift that from the insurance program and make it a government policy that protects those with pre-existing conditions and subsidizes the coverage - at the time of the patient's death, all assets are seized and sold off to cover the cost of the care and anything left is sent back to the estate; if the assets are not enough to cover the care, that is where the government picks up the tab. There will be a base insurance premium that the patient must pay to get onto the program and that will be 10% of the premium they would normally pay. That is the cost that that patient should bear since they should not get a free ride. And if the patient is on any government assistance, that premium will be deducted from any assistance and then the patient gets the rest.
Third, there should be no annual deductible levels. All deductibles should be per visit based and a patient should be able to put that deductible amount into an interest bearing account tax free from which they can use to cover that deductible. Deductible amounts will be means tested with those making over $50k per person having deductibles raised and not subject to interest tax free ability. Deductibles levels shall be raised 10% for every $250k in income per person with that increase being used to offset pre-existing coverage funds. There shall be no income salary cap. Citizen patients may be able to roll their income tax refunds into the deductible fund and earn interest tax free but this fund can only be used for medical purposes; there are no usage requirements per year; the fund can be rolled over to be used for deductibles or medical expenses that are unforeseen in nature and not to cover preventive care of any kind. There shall be no cap on how much a taxpayer citizen can contribute, but funds may not be used for anything other than medical (dental and mental health) expenses.
Fourth, insurance will not be allowed to be used to cover preventive care or tests. Those will be considered as the responsibility of the patient.
Fifth, there shall be no coverage for birth control, sexual performance aids, no sex change operations, and sexual counseling. This will be considered as out of pocket expenses to all citizens and cannot use the deductible offset fund in point three.
Sixth, patient insurance costs should be based upon gender and age and ethnicity. If it costs more to insure a man over a woman or vice versa, then that gender should pay more; and age level premium increases will be lawful. As certain ethnicities do have ethnic specific propensities for illness, those factors should be required to be considered and those ethncities that are less likely to have those illnesses should not be forced to cover the additional costs; additionally if there are increased rates for sexual orientation or decreases of the same, that should be a factor for insurance rates.
Seventh, there shall be now reward for transgender speculation; you pay the premium rate of your genitalia; in cases of a tie because of natural birth herma conditions, then the patient is charged the lowest rate.
Eighth, if you fail to use your insurance in a calendar year, you cannot have your insurance premium raised for any cause. This protection ends when you use your insurance and you are subject to the prevailing rate of your policy at that time. This will encourage young people to join the insurance pool providing constant funds for insurance companies and then when the insurance is used, the premiums are lawfully allowed to be increased at the rate of the contemporary policy rate.
Ninth, insurance policies may be purchased with terms of using only generic drugs; insurance companies can charge extra for premiums for drugs that aren't generic when unavailable.
Tenth, pursuant to provision two, there shall also be a universal catastrophic coverage protection for all citizens if any hospitalization exceeds two weeks; subject to section two, assets shall be seized at the time of death of the patient and used to pay for the coverage. Citizens may pay for a catastrophic policy of their own and avoid confiscation of assets by the government.
Eleventh, dental and mental health coverage shall be available at separate cost pursuant to the above requirements and patient choices; deductible fund from section three.
Twelth, all insurance rates will require the permission of a national board of health to determine the appropriate and fair rate for fees. States will be utilized to establish state rates so that if a citizen moves from one state to another, the insurance rate of the new state will be the prevailing rate. National board will be used to evaluate State rates to ensure they are in compliance with best practices.
Thirteenth, there shall be no upward limit on insurance company profits; it is understood that in a competitive environment, that lower cost options will be available and encouraged. It is the intent of this legislation to maximize competitive rates and to reward companies with tax incentives to hold the line on profits. Insurance companies may agree to cover the insurance of individuals and the total cost of those premiums will be tax deductible for the insurance company; insurance companies that reimburse drug costs below market rates to the insured will also be allowed to deduct the subsidies to insured from taxes. Insurance companies may work with employers and non-profits to offer below market rate insurance policies and may deduct the insurance subsidies from taxes; all subsidy deductions may not exceed 25% of the tax rate that they would have to pay after all other expenses are factored in. Insurance companies may additionally sponsor free or low cost health clinics and deduct up to another 25% off their taxes. These clinics will be required to use poverty income level tables from the Federal Government.
Fourteenth, this legislation shall require 3/4ths of the House and Senate to modify and is strictly binding on the President to enforce all provisions and he is not lawfully allowed to use executive directives or signings to betray the protections in this law.
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