Regardless of your stance on Obama care, it changed formularies and negatively impacted families that were already receiving an affordable healthcare insurance. Quite frankly, if you want to see how effective socialized or universal healthcare is, look at the VA. It is really good for simple care; however, when it comes to complicated care or surgeries, you end up deferred or in a lottery situation and this will change that. Nor should you be forced by the government to purchase privatized insurance.

This proposal is a two pronged approach to providing affordable and fair healthcare for all, without causing a financial crash for the providers, hospitals or discourage those planning on entering the healthcare field and will not negatively impact insurance companies. This will also feed back into each state, not force individuals to purchase or be penalized for their purchase decision and improve healthcare choices.

The target group

For those who do not qualify for Medicare, i.e. MediCal, TNcare, etc…  access to the Medicare program individuals who fall into this bracket. Who are up to the upper edge of lower middle class income, those who have terminal illnesses and conditions that fall into the upper edge of upper middle class. 

1) Have an open enrollment for those who do not qualify for our current standards for Medicare, they would enroll and have a healthcare monthly payment that would be the difference of how much they make over the standard for being able to qualify for Medicare or pay a co pay based on the standard 80/20% to meet the annual deductible, whichever is more reasonable and beneficial on both sides.  There will have to be a reasonable ceiling and will have to include for amount of family members, as used to establish eligibility for the original Medicare qualifications.  This would also allow the use of tax returns to help pay for the healthcare, as part of the healthcare requirement. Allow the state you reside in, in which you are getting your healthcare access to your tax return in order to correct any outstanding costs.  There would also be a ceiling cap for the monthly healthcare cost, not to exceed a reasonable income to healthcare cost ratio and this would be the level of healthcare cost of those close to the upper threshold of lower middle class and those within the upper middle class with terminal illnesses, such as HIV, cancer, etc.. This coverage would include prescriptions, allowing for generics as a first option, covering non-generics; if a generic option is not available or if indicated by the provider writing the prescription that there is a viable enough medical reason for a non-generic over a generic.

Until such time as they no longer qualify for this program.

This not only has benefits as stated before to individual and their families, but also the states they reside in, by helping offset that states’ Medicare program.

2) Have reasonable cost limits on hospital, ambulance and providers. Although, I am not about the government interfering with businesses and profit margins, but there needs to be reasonable cost ceilings on these services.  The abuse of healthcare insurance by these entities has driven up healthcare costs and insurance premiums.

This approach would not impact those who already have a affordable insurance plan or result in the termination of their current healthcare plan.  This also needs to be able to exclude the condition as preexisting and allow a smooth affordable switch over to a private sector insurance, if the individual or family does not qualify for this program. Also, allow a one year carry over transition, to allow for a COBRA style transition to permit the purchase of a new insurance plan.

This is the basis, you as the government will have to figure out the exacts, but the overall model will work and will need fine tuning.