Terry Paulson

President Obama seems committed to pushing through his version of health care reform whether we want it or not! Like his stimulus package, Americans wonder whether he will let politicians, much less citizens, read his plan before passing it! Everybody wants health care coverage as long as someone else pays the bill—employers, rich tax payers or the government! Unfortunately, at a time President Obama is promising more, the existing government health care plans and corporate entitlement programs are proving underfunded and unaffordable. But, what can be done?

America was built on personal freedom, personal responsibility, community and resourcefulness. Our self-reliant past can be a radical steppingstone to a more workable health care system for our future. We need a system that lets you take back control of your own health care needs.

Under such a plan, fears about portability would vanish. You wouldn’t be forced to stay in a job just to keep coverage. Prices would come out of the shadows as providers and insurance companies compete for your business. Instead of depending upon politicians or employers to look out for your interests, you’d be in control! You’d pick your own policy, making your health insurance portable, flexible and permanent!

To start, get employers out of the role of paying for health insurance. Let the money now spent on your coverage come to you as added income. To help offset the tax implications, give a health care tax credit to every American taxpayer.

Just as you are required to show evidence of liability insurance when you register or renew your vehicle registration, citizens should have to show evidence of major-medical insurance coverage when they file their taxes. Major medical plans have high deductibles but protect you from the high costs associated with serious illness. With everyone having to purchase a plan and companies competing for the business, the price for such coverage would come down.

Insurance companies should be required to cover all citizens without exclusions for prior conditions. Like the successful Swiss plan, a national high-risk fund could be established that all insurance companies contribute to that protects companies from suffering heavy losses in any given year. If necessary, as with utilities, a commission could be created to keep insurance company profit and coverage parameters reasonable.

To find coverage, marketplace resources would surface to give you access to more health insurance choices, better information, and more competitive prices. You use online searches to find the best price. Why not health care insurance and care?

Terry Paulson

Terry Paulson, PhD is a psychologist, award-winning professional speaker, author of The Optimism Advantage: 50 Simple Truths to Transform Your Attitudes and Actions into Results, and long-time columnist for the Ventura County Star.

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