The following is my suggestion for a healthcare reform plan that addresses everyone, has everyone working together and gives everyone access to healthcare.

Dear Senators and Congresspersons:

Here is how to end the deadlock on Healthcare reform.

Here is how to do this very simply.

The government becomes the payor for healthcare services under $5000 or $10000. The government only pays up to $5000 or $1000 per year, no more. Everyone is covered.

Health insurance companies are the insurer with plans having $5000 or $10000 or higher deductibles. They can vary the benefits after the deductible. Insurance companies need to be able to underwrite applicants as they have been doing. They can offer different plan benefits and rates will vary based on the market as it is now. Plans are marketed as they are now by insurance companies and insurance agents.

This will mean everyone can have routine exams and preventative healthcare. It will mean health insurance will look like insurance which is protecting against a large risk.

Everyone’s needs get addressed with this plan.

In my opinion, the government plan is a form of national HMO. It takes what works best about foreign country healthcare which is that primary care is accessible to all. The US handles major care such as advanced technology testing, surgeries such as for heart problems and other major healthcare issues faster and better than it is handled in other countries. That is best served by private health insurance plans.

I would also suggest we give people the right to choose what they want to have. This means they could have the government HMO plan at little or no cost or opt-out and choose private health insurance. The private plans would be similar to plans we have today.

Primary healthcare is the biggest need we have to address. The US lags behind other countries in this area. My plan will give everyone access to healthcare. It supports universal healthcare, it has government and private insurers working together for a healthier America.

Finally, agents, such as myself, that have spent decades working with people are a tremendous resource. We are the only ones that work all the pieces. We are the ones that can implement this plan best.

This plan would mean we would need more primary care physicians as well.

John K Arnold
Florida website
www.floridahealthinsurance.com
International Travel and Health Insurance website
www.insurance-network.com