HaloGear Executive News

How To Honestly Reform Health Care In The USA

Step #1: fallback insurance
The U.S. federal government promises to pay any and all medical expenses (above $100k/patient/year) for all citizens and legal visitors when their individual medical expenses exceed $100,000 in a calendar year.

Why? This means that all existing private healthcare insurance companies need only run actuarial tables that top out at $100k...which means that health care premiums plunge because a max of $100k in insurer liability requires only a tiny monthly insurance premium to cover (ballpark $100/month for full coverage 2018 health insurance).

This is a 1 page law. None of that DC Swamp-esque "3,000 pages of rules" nonsense.

The U.S. government provides catastrophic coverage over $100k/year. No exceptions, limitations, anything. Complexity is gone.

Step #2: lowering medical costs (a core issue)
A. Congress should streamline the new drug pipeline so that it doesn't take 7 years and multi-millions (or billions) of Dollars to bring any new drug to market.

B. A mechanism for easy multi-state insurance and medical licenses should be created.

C. The pharmacy monopoly should be adjusted.

D. Tort reform for malpractice and general liability should be enacted in order to reduce liability insurance costs for doctors and hospitals.

Step #3: actual care
M*A*S*H hospital tents should be established in every neighborhood for triage and entry-level care. These should be operated by the U.S. Army and there should be no billing to patients. You walk in...you get treated to their level of competence and equipment.

All ambulances default to patient delivery here unless extraordinary circumstances dictate otherwise.

The existing private medical infrastructure handles everything else.  By implementing Step 3, our health care system gains a cost-effective public Tier of service that is free of paperwork and check-in hassles, geographically close to prospective patients, and performs the often money-losing steps of triage and First Responder care that were previously performed only by high-cost hospitals.

Step #4: transparency

Medical charges have to be public prior to being billed.

Discriminatory medical billing charges are forbidden (can't have different rates for the same procedure/effort/drug based on patient's insured status, etc.).

NOTES: Does health care need to be "rationed" in order to save the system? No.  While health care for some groups does cost more on an individual basis, in aggregate no demographic group is a budget-buster.  The key to saving the medical system is in reducing non-care costs such as bureaucratic, administrative, liability/insurance, and pharmaceutical.

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