Great analogy for the current health care “reform”. You guys really got stuck with a pickle there.
I can’t say, however, that the current system with increased competition would have been the answer unless, for one, “delay, deny, defend” would have been outlawed. I also think the rule right out of the gate should have been that everybody pays.
My thoughts on how it should have went down:
IF no private insurance through employer:
1) Mandatory payment of $75/month per adult which covers primary care visits, collected and enforced at the state level. (We have this in Canada – if you don’t pay your premiums, you can’t get your driver’s license or registration renewed. Works just fine.)
2) Everyone in America to pay at least the basic – no companies, unions, illegals, visa-holders, etc. exempt. In fact, visa holders like myself should have to pay $150/month that our visas are active. If you can afford a visa down here, you or your employer can afford the premium.
3) Comprehensive insurance to still be offered by companies (as a taxable/non-taxable benefit, depending on income level)
4) a tax break to companies who provide this for their employees
5) The allowance of insurance sales across state lines
6) Better tax treatment of Health-Savings Accounts
My aunt is on a “new” plan which is a $10k deductible and a pile of things in her plan that she doesn’t need, such as “pediatric dental care”. Since she’s on social assistance, it basically means she has no plan and still pays $70 per visit to her doctor. The one good thing is she wasn’t denied insurance because of a pre-existing condition, but does this necessarily mean that her CLAIM won’t ever get denied? Who can say?