Wednesday, July 27, 2022

A Plan to Achieve Healthcare-for-All

[In July 2019, health-care-for-all seemed to be widely accepted. I wrote this blog as a proposed way to pay for it and to ensure the inclusion of long-term medical expenses.] 

 

      It's great to see that most people in this country recognize the necessity of having healthcare for all. This blog suggests that a Central Healthcare Agency and Marketplace (CHAM) is needed. Some of the goals and objectives of a CHAM include: 

  1.  Ensure everyone has access to excellent and affordable healthcare, including Long-term Support Services 

  1. Set standards and price ranges for subsidized healthcare products, services, and insurance plans. 

  1.  Ensuring that no one needs to pay more than a percentage(5%?) of their annual income for healthcare premiums and no additional rate (5%?) for their total yearly healthcare costs. 

  1.  Enable the private sector to provide healthcare products, services, and insurance plans that meet and surpass CHAM standards. Anyone willing and able to pay healthcare costs that exceed CHAM's standards can do so. 

  1.  Ensuring that healthcare costs are sufficient to  

  1. attract people to healthcare jobs and professions, 

  1. continually improve products, services, and facilities, and  

  1.  promote innovation, research, and ever-increasing quality of care. 

  1. Enable employers and other third parties to offer healthcare plans through their chosen vendor and contribute to an individual's CHAM account.  

  1. Confirm that most people all along the wealth spectrum see the system as equitable. 

  1.  Encourage competition and healthcare investments. 

  1.  Ensure that the system is economically self-sustainable. 

 

      National CHAM boards will set minimum standards for healthcare and long-term support services. State and local CHAM boards will establish price ranges for all products, procedures, drugs, and other commodities associated with these services. They will also set price ranges for healthcare plan expenses, including premiums, deductibles, copays, and out-of-pocket expense caps. 

 

      Private and public enterprises will sell their healthcare plans through CHAM. Each program must offer all of the minimum set of healthcare products and services set forth by CHAM. Enterprises may collaborate with other healthcare providers to ensure comprehensive healthcare and long-term support services are available to everyone. 

 

      Individuals and households will sign up to be members of CHAM. Monthly premiums will be a  percentage (5%?) of their taxable income. An additional rate (5%?) of Members' taxable income will cap the total annual out-of-pocket healthcare expenses. Members choose any healthcare plan they want. CHAM pays all healthcare charges that meet CHAM standards and are within CHAM's price ranges. Members can select programs whose healthcare plans expenses exceed CHAM's limits by waiving CHAM's responsibility to subside any member's healthcare charges for that enrollment period. Members will pay for deductibles and copays up to their annual out-of-pocket expense cap. Members will also pay for products and services that are not covered by CHAM standards or exceed CHAM's price ranges. 

 

      These goals and objectives need to be vetted by healthcare professionals, the general public, economists, healthcare plan managers, healthcare insurance carriers, and legislators. CHAM Pays $0 subsidy for premiums 

 

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