The Solution

  • The core of the system should be life-cycle health risk insurance, covering expensive treatments and the end-of-life care.

  • This insurance would step in and cover expenses above some predetermined per-year limits, cumulative limits for consecutive years, and cumulative limits over the person’s lifetime.

  • This insurance should not be mandatory. However, people buying this insurance should have hefty tax breaks so buying this insurance would be common.

  • For covering minor medical bills, individuals would use the current system of health maintenance plans, Health Savings Accounts, or would pay out of pocket.

  • Poor people would use Medicaid as they do now.

  • Lifespan health risk insurance would accrue cash value. The government would guarantee this value using instruments similar to those used when guaranteeing the safety of bank deposits.

One Response to The Solution

  1. Hi — I checked out your website and it is lovely. Basically you offer catastrophic care, but what is catastrophic to me is not to someone else. Will people have a chance to set their own kick-in? Their insurance kicks in at $1000 vs. $10,000?

    I fail to see how this is different from my UHC which has an “out of pocket” of $4500, a $500 deductible and therefore, I have to pay the first $5k.

    Perhaps you might do better with examples and scenarios to make your concept clearer.

    Dixie Swanson

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