Fixing Health Insurance in One Blog Post

As the Congressional Republicans continue to treat health insurance law the way a monkey treats a typewriter, one of the stories we keep hearing is how so very hard this process is. Healthcare regulation is hard and heath insurance is complicated and, man, unwinding this Obamacare thing is so difficult that we just don’t know if we’ll be able to do it. If we’re able, through our selfless dedication and heroic efforts, to just make little tweaks here and there, you should just be happy with that.

Obamacare, along with the countless other government interventions in the healthcare business over the last 90-odd years, has certainly made a tangle out of things. Anyone who’s ever had to fill out health insurance forms would find it easy to believe that re-writing healthcare law is a complicated business.

But what if it was easier than we’ve been lead to believe? What if you could craft a common-sense health care law in the space of, say, one blog post?

Granted, I am no policy expert, and I can’t be sure that it covers everything, but I’ll be danged if this Bill to Permanently Fix Health Care for All isn’t a right impressive first crack at it. I predict you won’t read it for very long before you find yourself nodding along in agreement, wondering, “Why doesn’t the government just do it like that?” Stuff like:

All providers must post, in their offices and on a public web site without any requirement to sign in or otherwise identify oneself to access it, a full and complete price list which shall apply to every person. This instantly allows customers to compare pricing between providers for services and products in the medical realm.

No event caused by or a consequence of treatment can be billed to the customer. This instantly aligns the interest of the customer in not having such an adverse complication (e.g. MRSA, etc) with the medical provider. As it stands right now hospitals actually have an incentive for you to have a complication since they make more money if you do. If you call me to fix your roof and I drop my ladder causing it to crash through your picture window I get to pay for the glass I broke through my ineptness. The same must apply to medical providers.

No government funded program or government billed invoice will be paid for medical treatment where a lifestyle change will provide a substantially equivalent or superior benefit that the customer refuses to implement. The poster child for this is Type II diabetes, where cessation of eating carbohydrates and PUFA oils, with the exception of moderate amounts of whole green vegetables (such as broccoli) will immediately, in nearly all sufferers, return their blood sugar to near normal or normal levels. The government currently spends about 25% of Medicare and Medicaid dollars on this one condition alone and virtually all of it is spent on people who can make this lifestyle change with that outcome but refuse. If you’re one of the few exceptions and it doesn’t work in your case you have the burden of proof. Nobody has the right to light their own house on fire on purpose and then claim FEMA benefits for same. This one change alone will cut somewhere between $350 and $400 billion a year out of Federal Spending

Nice, right? Unfortunately, we all know the reason they don’t do it like that has nothing to do with health care and everything to do with favor-trading, back-scratching, and good, old fashioned power grabbing. But a guy can dream.

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