Americans need to face the horrendous reality that our health-insurance and tax systems are terribly broken.
The United States has the most expensive healthcare in the world, yet millions of Americans lack access to basic medical services. Our health insurance punishes the poor; rewards the rich, and fails to provide coverage for millions – in the richest nation in human history.
Fortunately there are some fairly fixes to these dilemmas available. A fraction of the potential solutions are listed below.
Potential Fixes for America’s Health-Insurance System
Some excellent upgrades to our abominable health insurance system include:
- Allow all citizens and legal residents of the United States to buy into Medicare and/or Medicaid regardless of income or age.
- Offer Medicare and/or Medicaid coverage through all the Obamacare exchanges.
- Allow all employers to purchase Medicare and/or Medicaid coverage for their employees.
- Allow insurance agents, insurance companies, nonprofit organizations; and retailers such as Walmart and Amazon, to sell Medicare and/or Medicaid policies in exchange for a commission say $25 to $100 a policy.
- Allow car insurance companies to sign people up for Medicare and/or Medicaid; and to charge persons without health insurance a higher premium. Since medical costs are one of the major factors driving up auto insurance costs this might lower premiums.
- Allow Americans to sign up for Medicare and/or Medicaid through when they submit their tax returns.
- Set up a website where any American can sign up for Medicare and/or Medicaid anytime.
- Offer no-premium Medicare and/or Medicaid to the following people:
- All honorably discharged veterans of the United States military and their dependent children.
- All active duty military personnel and their families.
- All members of the National Guard and Reserve and their families.
- All members of the Peace Corps and Public Health Service and their families.
- All public school teachers and administrators and their families.
- All federal employees and their families.
- All retired federal employees and their families.
- All law enforcement officers and their families.
- All firefighters and emergency responders and their families, including volunteers.
- All persons and couples with an income that is less than 150% of the federal poverty level.
- All fulltime college students and their dependent children.
- All senior citizens with no income other than Social Security and their dependent children.
- All persons on Social Security Disability and their dependent children.
- All widows or widowers and dependent children of military personnel killed on active duty.
- All widows and widowers and dependent children of law enforcement officers, firefighters and emergency responders killed on the job.
- All individuals that qualify for unemployment insurance and their dependent children.
- All children that qualify for the free school lunch program.
- All persons receiving Social Security survivors’ benefits and their dependent children.
- Give the Centers for Medicare and Medicaid the power to settle the unpaid medical debts of anybody who signs up for Medicare/Medicaid.
- Abolish all private health insurance benefits and subsidies for federal employees.
- Give healthcare providers the ability to sign uninsured people up for Medicare and/or Medicaid at any time.
- Abolish open enrollment. Let any American switch health insurance policies any time he or she wants to.
- Abolish the Obamacare mandates. Stop punishing Americans for not having health insurance.
- Abolish the Obamacare employer mandate. If the government wants to mandate health insurance, then the government should pay for it.
- Give the Centers for Medicare and Medicaid the ability the ability to set one nationwide price for all drugs, medical procedures, medical devices, therapies and treatments.
- Require Medicare and/or Medicaid to pay any legal claim within five business days via electronic funds transfer.
 Families shall consist of spouse or partner dependent children.
 This means a dependent child as defined by the Internal Revenue Service for tax purposes.