How to Fix Health Care

It truly amazes me how so many people can waste so much time doing so many ridiculous things when it comes to overhauling the health care system.  The answer is right in front of their nose but no one seems to really want to fix the problem.

Here’s the issue.  The legislators have written laws for the benefit of the insurance companies that preclude people from forming a group to buy health insurance.  The reason they do this is so that the insurance company can gouge the lowly individual for outrageous premiums because they can not presumably spread out the risk among a large group of people.

Baloney I say!

There are millions of people who have no health insurance because they can not afford the ridiculous premiums.  Therefore, they do not have any insurance.  When they get sick for any reason, they have to go to the emergency room to get basic care.   That makes alot of sense does it? 

It’s very simple – let the individuals in this country who want reasonable health insurance  create a group to buy health insurance – say the “people’s group”.  This group would then be 10-20 times larger than the biggest group in America today – Walmart – some 1 1/3 million.   It should not matter where you live – only in the US somewhere – period.

The “people’s group” would then buy ALL of their health insurance from one carrier – the one who gives them the best coverage for the LOWEST cost.  The company who won the bid would end up the largest health care insurance company in the US and would then set payout limits to doctors, hospitals, and pharmacies as to what they will pay for services rendered (just like Medicare/Medicaid does and just like they do already even though you do not know it.  If you don’t think so, read your last statement for medical payouts by the insurance carrier – they set the limit to payouts and claim that you “may” owe the rest.  The rest of what – gouge money?).

By doing this the rest of the insurance carriers would also have to fall in line as everyone else who realizes they are getting gouged will go over to this new “people’s group”.  This is simple supply and demand economics.  The large group keeps the costs down by the sheer size of the group and keeps their thumb on the back of the insurance company who holds the group when they “re-bid” the deal every year.

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