WolfpackN64 said:
It's already proven that universal healthcare will lower costs compared to Medicate, the AHCA and the ACA due to it being a simpler and more effective system. I don't condone just seizing everything if you're concerned, only in the when large companies have clearly violated an agreement with the state or broke tax evasion laws when moving out. I'm certainly against seizing assets from citizens except maybe under very specific circumstances (which I can't even think of now). And of course, implementing correct import taxes can help. Competition can be good, so these don't need to be too heavy, but they need to be heavy enough to level the playing field somewhat. |
I wouldn’t say it’s proven. If it is such a good plan, why are premiums higher now than they were 2 years ago? Why do most people have less coverage but pay more now than they did 2 years ago? What I find interesting is that in an age of science and math, the politicians still seem to only look at the numbers they like and fail to see the entire equation. I will explain my position below.
In theory having everyone pay into a system will generate more income into each plan which would allow for more coverage for everyone. What it fails to take into consideration however is how many people do not have coverage because they can’t afford it, are not required to pay anything based on income or how much medical care actually costs. This needs to include an increase in front office staff, insurance adjusters etc. to allow for an increase in signups for people who didn’t have coverage before but are now required to sign up and an increase in patients due to people taking advantage of the coverage they have now been forced to have. For the people who are not required to pay, the money from everyone else is now paying for their coverage.
So on a positive side it should in theory create jobs in the medical field and insurance field. What it doesn’t stop however, are the insurance providers increasing rates, participating in exchanges in all states or providing affordable plans with adequate coverage. What you end up with is what is happening now, insurance companies are leaving entire states because they don’t want to participate in the exchange, rates are going up because people are forced to purchase insurance and coverage’s are going down because the insurance companies know they will get paid regardless of coverage.
What needs to happen if we really want "universal healthcare" is an end to the insurance model. You create one government agency to manage hospital claims with an independent oversight committee. You add a 2% tax on all income for every person and company with no tax loopholes or write offs allowed to reduce that amount, 2% on all income before taxes. This will offset the individual’s income tax liability much like a 401K. You would still pay a little more overall in tax however you would not need to deal with an insurance agency, any and all medical issues would be covered with no exclusions and everyone would be covered. Laws would need to be in place to prevent the government from denying claims for procedures required like cancer treatments, aids medication etc. Any plastic surgery would be paid for by the individual and not covered by the universal healthcare unless it was medically required due to an accident or life threatening situation.
Making something mandatory and still allowing 3rd party companies to control it is asking for abuse. Car insurance is no different right now in California. You are required to have it yet they are not required to pay out regardless of how much you pay in. You could have paid in 200K for the life of your plan and they can still deny payment based on your level of coverage. Where did that 200K go?












