What are the best options for US health insurance ?: 5 options


For more than a decade, this nation has had a partisan discussion / debate, driven by rhetoric, about health care and how to better address the need to better meet the needs of the American public. In 2010, Congress passed the Low Price Health Care Act (ACA, also known as Obamacare), largely following the lines of the party. Although, a necessary and well-intentioned step, unfortunately, as with most legislation, there were many areas, not fully considered, and / or false assumptions. Politically, Republican politicians have spent much of that period, blaming and complaining, about the law, but offering few, or none, realistic and viable solutions or plans! When Donald Trump was a candidate, he proclaimed, he would fix it and replace it with something, less expensive and much better (and, in addition, he declared that it would be easy for him to achieve it). Even with a majority of the party, in both houses of Congress, all they did was weaken the existing law, without doing anything to better meet our needs! Since we are now embarking on other presidential political seasons, we are hearing a lot of rhetoric and promises about how each candidate believes, we must proceed. With that in mind, this article will briefly attempt to consider, examine, review and discuss 5 options / options, and, both, the possibilities and assets, as well as the weaknesses of each approach.

one) Free market: To a large extent, this is the G.O.P. approach, approach. Proclaim, the choice, should be left to each individual, and, in this way, there would be fewer requirements, for health insurance. However, before 2010, this was the approach, and insurance rates were spiraling, there were large deductibles, pre-existing conditions could be excluded and there were tens of millions of citizens who were not covered by any plan.

2) ACA restored: Simply restoring the Alternative Care Act, in its entirety, would not solve the problems! Due to political commitments, when passing this legislation, it was a well-intentioned but flawed law. Because of much of the political rhetoric and misstatements, at one time, many opposed, because they believed, the statements made! Rates rose, much faster than expected, and medical costs continued to rise!

3) ACA improved: Instead of throwing it out and starting over to reinvent the wheel, wouldn’t it make more sense retouch and fix what’s wrong? Protecting protections for pre-existing conditions, making health insurance available, etc., is essential for any quality plan, but finding a more affordable process, lower deductibles, lower drug prices, etc., are some of the many things that should be improved. , and improved!

4) Medicare for everyone: There have been many hoopla, for what is known as Medicare for all. Some political advocates proclaim that Americans love Medicare and that a single-payer plan would be more efficient and fairer. However, since we pay, for each paycheck, a premium for this program, our entire working life, and then continue paying, more than $ 135 each month, after age 65, it is obviously not free! We are constantly warned about the financial tensions in the program and, despite the premiums paid. In addition, Medicare Part B only pays about 80% of the cost of medical care and, the best of the complementary programs, now costs, almost $ 3,500 per year, in addition. How many, they really believe, the federal government’s history is stellar, in terms of getting the best, explosion for the dollar?

5) Public / private options: It could be the best approach, combining the best of what private industry offers, with the so-called public options! This could generate some degree of competence, improvement and address the main problems and obstacles.

No option will effectively handle the needs, unless it includes, addressing the costs of prescription drugs, treating pre-existing conditions, medical liability / medical malpractice laws and hospital care costs, etc. Unless, up to, our elected officials do what is best, instead of their personal / political agenda, and, perceived, self-interest, America will suffer!


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