Authentic Health Insurance

Presidential candidate John McCain said he thought we should find a "free market solution to the problem of unavailable and unaffordable health care." I propose a solution that is unlike most of the recent campaign rhetoric is not about the reorganization of deck chairs, but also provides a way to meet the needs of both donors and recipients of health care balance.

The public health care debate usually begins by the need for third-party solutions. Little is spoken,However, on the actual caregivers: hospitals and clinics. I advocate a different approach, which will cost less, while strengthening the nation's infrastructure in the health sector: We buy insurance from the facilities to ensure our medical care. In other words, we go straight to the source and to avoid intermediaries.

Under a system in which hospitals and clinics to provide health insurance to the communities in their:

1. Medical institutions could cover their overheadby monthly insurance premiums. As it is now, hospital administrators, some of whom I have interviewed, say they can only hope to admit enough adequately insured patients include, in order to process payroll and operating expenses. A consistent and predictable revenue would enable these entities sufficient to pay staff better salaries, medical equipment and optimizing operational efficiency - and on a better health care.

2. The cost of coverage would be lower than most health care plans (whichlegal persons are obliged to a long list of benefit financially from brokers, marketers, um) hungry investors. For example, if the expense is for a plant 5 million U.S. dollars per year 5000 insured could pay $ 85/month for the operation to maintain. The implementation of a co-pay for, or even more members would be denied further monthly premiums. Each medical facility shall be free to develop its own consultation with members of their community.

3. Affordable health care would achieve savings - notonly for individuals but also for businesses and local authorities. This would help to control local taxes and creating a better climate for business. And, as Thomas Friedman said in The World is Flat "Everything that can be done to reduce a U.S. company's liability for medical care at a plus in keeping jobs in the United States would"

4. Under this plan would, healthcare finally be affordable, the previously uninsured or underinsured.

5. By gaining control over their own revenueElectricity, medical facilities could be involved in any necessary improvements in health care standards and delivery address, to improve patient outcomes while maintaining their own business viability.

During the coming months will bring a steady stream of discussion (and a lot of rhetoric) on Heath Care, keep in mind that forward-looking words of another well-known Friedman. Milton Friedman said: "Two simple observations are key to the high level of expenditure on medical care and the dissatisfaction with theExpenditure. The first is that most payments to doctors or hospitals or other caregivers for medical care are not covered by the patient but by a third party. The second is that nobody spends somebody else's money, as wise or as sparingly as he spends his own. "

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