If you eat too much, drink too much, smoke too much and do not get enough exercise, you cannot expect your neighbor, through the government or your employer, to pay for your health care. You need to take responsibility for your own health.
Many employers will continue to offer health care to attract good employees. However, this will never be mandated by the government. In order to make health insurance cheaper and easier to understand, the government, in conjunction with doctors, hospitals, employers, individuals and the insurance industry will develop 10 to 20 standardized health care policies which are easy to understand. Each policy would clearly state what is covered and what is not covered, as well as annual payout limits. Health insurance policies will be sold across state lines in order to make prices more competitive. This will make it easy to compare insurance rates on an “apples to apples” basis from all insurance companies. These policies could be supplemented by additional coverage if needed. However, no one would be required to purchase health insurance and nothing would preclude consumers from purchasing any other health care insurance policies. On the other hand, no medical provider will be required to treat anyone who does not have insurance or the ability to pay the health care provider.
Doctors who make honest mistakes would be required to correct the error without charge to the patient or to pay for another doctor to correct the mistake. All such mistakes will be reported on the consumer database so that bad doctors can easily be identified by consumers and hospitals.
Hospitals will be required to provide the patients with an invoice which clearly states the cost of the service provided in a manner that can be understood by the patient. The intent of this is to require the hospitals to properly allocate costs for the service provided and stop charging $50.00 for a 10 cent aspirin.
Insurance companies would be encouraged to give discounts to individuals who maintain a healthy lifestyle. This will make each person responsible for their own health care and not be a burden on others. End of life decisions will be made by the patient, their family and their doctor. Experimental drugs will be made available to all persons who are willing to sign a waiver that they will not sue anyone involved for damages caused by the experimental drug.
State agencies designed to limit competition, such as the Health Care Cost Review Authority (HCCRA), will be eliminated. The health care industry should be free to compete in the open market based on price and service.