I made that number up, but it could realistically be true. Here is what I would like to see in health care (and sadly, it's against the law).
For some reason many years ago, a law came into effect that said if you have the training to save someone life, and you chose not to, you are criminally responsible for there death. I have no idea why that's a law. I mean it sounds nice and all, but where does that hold any standing constitutionally? if we could get rid of that law, we could do the following:
Open a private hospital. If you are not a member of my hospital, you don't get treatment. Period. This hospital also does not take insurance, and all treatment in this hospital is free. How do they make money? Subscriptions. In order to get treatment at this private hospital, you have to be a member. As a member, you have a monthly fee. Fee's are based on demographic information. You can charge woman more then men, the old more then the young, a smoker more then a non smoker. The only thing you are legally required to do offer membership to everyone. You can not discriminate.
What does this do? It has now made private hospitals competitive with one another. They must keep the service high, and the cost low, or you will go to the next hospital over, and become a member there. They now must compete for your business.
This is very similar to elective surgery, like plastic surgery and eye surgery. I can get top of the line Lasik done for $700 an eye. If this was done under insurance, it would probably cost $7,000, and not be done as well. Medical treatment does not have to cost a lot, it just does because of two factors.
1. They don't have to compete.
2. They must treat everyone. The only way to pay for the people who are not covered, is to charge the people who are more. This raises the cost of health insurance, and thus less people have it. It's a vicious circle.
With this system, I can see a monthly fee being $30-$40 a month for a 20 year old man, and $100-$200 for an elderly one. Both cases are far less then it is today.
This could also be subsidized by the Government if you wish to cover the poor. I personally think this would put healthcare at a level where anyone can afford it, but even if you did want to subsidize it, it would still be the best solution. Far better then Government run healthcare.












