Insurance companies should be allowed to
offer any coverage it thinks it can sell.
If consumers want to buy policies that allow for “pre-existing
conditions”, insurance companies should be able to offer that. The premium for
including this coverage should be reflected in the premium cost.
Obamacare Replacement
Government should authorize health
insurance to be sold across state lines and should require medical providers to
provide consumers with cost estimates for treatment and insurance companies
should provide coverage option costs, so consumers can chose what coverages
they want to buy.
Corporations should be allowed to set up
their own medical insurance trusts and all other laws restricting healthcare
insurance should be repealed. That would restore healthcare to the free market
for all but Medicare, Medicaid and Veterans.
Most consumers will want catastrophic
“stop-loss” coverage. This would cover medically necessary procedures to rescue
and repair that hit some attachment point with the insurer paying 100% of the
costs over that attachment point. These attachment points could be $10.000 to
$100,000.
Consumers should ask for cost-saving
limits like a $1 million lifetime cap on their health insurance policy to get a
lower premium.
Many consumers will want to contribute to
“medical savings accounts” to invest their medical expanse dollars and own
these accounts.
Many consumers will want to purchase high
deductible, catastrophic insurance to get a lower premium.
Many healthy lower income consumers who do
not own homes will not want to purchase any health insurance, unless their
employer plan is very affordable.
Norb
Leahy, Dunwoody GA Tea Party Leader
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