a better Alternative to National Healthcare
Five Consequences of America’s Moral Collapse
Diane Richardson, October 31, 2013,
Added revenue from underground economy, May 5, 2016
A better alternative to National Healthcare is BasicCare,
as conceived by Kathryn Murphy Brown, with suggestions by me
In the face of the Affordable Care Act, aka ObamaCare, becoming all that Democrats said it wouldn’t and more, and Republican insurance plans, we ask that you consider and promote BasicCare, as a far better alternative to National Healthcare, 'adopted' at the State level.
If not for national healthcare, it should at the least be considered for providing Medicaid.
OVERVIEW: There’s nothing to be confused about: ‘Everyone’ in a State that adopts BasicCare would be covered by basic healthcare by signing a simple form (name, address, SS#). It would be paid for by having a sales tax on everything that is not a necessity of life. That’s BasicCare!
There’s no need to search through plans and select one. There’s no need to pay premiums. There’s no need for insurance unless you want to keep your insurance or have additional insurance. There’s no government intrusion. And you can keep your doctor.
Quick Facts About BasicCare ( BasicCare Provider Agreement )
A) The breadth and depth of BasisCare, within each state, would be defined by a board of doctors and private citizens held to a state’s revenue budget. Healthcare not covered by BasicCare — typically organ transplants, longterm and advanced care — would be purchased in the insurance market as desired.
Would BasicCare be as comprehensive as Medicare? Unknown: Each state's benefits would be selected to match its revenue budget.
A state’s revenue budget would be determined by collecting a special tax on all items not considered necessities of life for one year before BasicCare is put to use.
B) States, accepting to use BasicCare, would administer payments to qualified instate healthcare providers, not insurance companies, by using a contracted low-cost electronic payment services company. Some states have such contractors already.
During the one year tax collection period, healthcare providers would be first vetted, then agree to strict limits on the billing price of products and services to meet the goals of BasicCare, based on free-market competition. Price gouging would disqualify a provider immediately, and be grounds for legal action. (The overpricing abuses in the current healthcare system would not be tolerated.) ( B )
C) States would pay contractors to ‘police’ waste fraud and abuse. It is suggested that a bounty system would work quite well here.
D) States would not need to hire anymore healthcare/social services employees that they already have. State residents that want to signup for BasicCare would fill out a simple online form or at a local state registry.
E) Everyone that signs up for BasicCare would get basic healthcare all the time as defined by A above. If state residents want more healthcare coverage they would buy insurance in the open market.
F) There would be a number of provisions for personal responsibility, with small copays, to encourage healthy behavior, as defined by healthcare professionals.
G) A typical BasicCare system would probably collect a 10% tax* on all items not considered necessities of life, but the size of the tax would be up to each state to decide. (Such a universally adopted healthcare system might allow the federal government to operate on a flat income tax of about 15% because canceling Obamacare would help to jump start the economy, if Mr. Obama was to also cancel some of his own rules and regulations. However, some provisions should be made to repay monies borrowed from various funds and pay down the debt, so the income tax would likely be higher.)
Through detailed analysis and calculations, Brown proves that a 10% tax* on non-essential items, like jewelry and expensive cellphones to gum and soda, will work in most cases if states’ offer basic no-frills healthcare with responsible copays, and a bounty system is used to eliminate fraud. States’ with a disproportionately high elderly population might need a higher tax. (Added 3-27-2015)
Or, should the chronic needs of the sick and those with pre-existing conditions (if they are different) prove that to not be true in some states, as an option, Congress might authorize block grants to states' based on known related data. (Added 8-23-2015)
*The 10% tax would also be supported by a $ trillion underground economy that currently does not pay taxes, but this sales tax would capture substantial revenue from it. (Added 5-5-2016)
Tort reform by Congress would also help to lower costs, if those issues are not adequately covered in health provider contracts. (Added 8-23-2015)
H) Shift of healthcare burden: A benefit of such a healthcare tax is that ‘everyone’ helps to pay for healthcare through their purchases of non-essential items, not just those who pay income taxes.
J) Privacy: There would be no need to collect any personal information other than what is needed to know in order to administer payments to qualified healthcare providers, eliminating unconstitutional infringements while reducing the cost and complexity of government substantially.
K) Doctors would be encouraged to offer online video conferencing with patients to avoid unnecessary visits, and begin to use modern patient-involved diagnostic tools.
L) Last but not least: your doctor would decide your healthcare, not bureaucrats in Washington, death panels, or clerks at the IRS.
M) All the taxes collected by a state for BasicCare would be kept by that state.
N) States would continue to have self-determination free of federal government interference.
O) Those that signup for BasicCare would always be covered between jobs.
To use BasicCare to only provide Medicaid the program would end here.
Each of the following could be selectively added
1) State residents that signup for BasicCare, because it is easier to use than insurance plans provided by federal or state governments and other employers, would help to reduce the overall cost of healthcare, because BasicCare does not pay for insurance.
2) To improve services to veterans, it is suggested that the Veterans Administration be made a GSE that contracts to provide healthcare services to veterans, as requested by states using BasicCare.
3) Given, most healthcare costs are created by the elderly, and their needs in life are mostly met, meaning that their contributions to a sales tax could be zero, Medicare payments of state residents that participate in BasicCare would be collected by the state.
4) As some people and companies drop private healthcare insurance plans in favor of BasicCare, healthcare insurance companies would shift some of their market focus to more advanced models that include organ transplants, more complex healthcare needs, and some risky behavior not covered under BasisCare.
5) By adopting BasicCare, sone businesses would no longer need to select, pay for, or manage basic healthcare insurance for their employees. Leaving only the need for insurance for catastrophes.
6) Many businesses and governments would no longer need to support the basic healthcare needs of retirees if they choose to transfer them to BasicCare, substantially reducing their financial obligations.
7) States, the federal government and private companies would no longer need to pay for the basic healthcare costs of public service employees or pensioners if they transfer them to BasicCare.
8) Important: Anyone that wishes to keep their current healthcare plan would be able to do so; the tax would only be needed to pay for the healthcare needs of residents that signup for BasicCare within the states that adopt the plan. Employers would also have options.
Republicans have created their own healthcare plan that is far better than ObamaCare, but still has four basic flaws:
R1) It assumes that ‘insurance’ can be made competitive to lower the costs. The problem is, it cannot, because insurance is not like other products, simple because unlike small companies in other markets that can operate with low overhead and margins to create sales, risk insurance requires the provider to keep sufficient funds to cover the risk, which means that only large insurance companies can afford to spread the risk to lower prices to gain market share. When they do that they drive all the small competitors out of the market, then they are free to raise prices as they wish.
R2) Insurance coverage for healthcare typically costs about 30% more than actual healthcare costs, as would be provided by BasicCare.
R3) The federal government would still be required to pay hundreds of millions each year to cover those on Medicare and Medicaid-like services.
R4) Tax free health savings accounts help, but only for those that can afford them.
BasicCare was created by Kathryn Murphy Brown, and described in her book, Common Sense Solutions for America, which is currently out of date and in need of many revisions.
B) "Somebody Call a Doctor! GOP Replacement for Obamacare Will Not Solve the Problem," Greg Archetto | Wednesday Jun 24, 2015 10:35 AM,
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