A Government Get Well Healthcare Solution
February 19th, 2010People need healthcare. I get that. We’re all concerned about health and wellness and it’s easy to expect the government to help out. Although a solution that adds competing government insurance options to the mix still seems uncertain to me. Like your health insurance carrier up for grabs. That’s how I feel about my health most of the time. So hitching my health insurance plan to a similar feeling doesn’t inspire much confidence.
And when has the government ever competed successfully against the private sector? Granted, the IRS is very proficient in extracting its deductions. But there are other factors to consider as well. And profound philosophical questions to answer like: Is health insurance an inalienable right for all citizens and illegal aliens? I suspect the debate on this will extend like endless train tracks—on two opposite rails.
But really, the government with its proven history in streamlined cost-efficiency is going to take over the insurance industry and/or compete against private insurers? I’m sorry but to me that idea is like 2 three legged dogs competing in a sack race—sad, but still amusing.
So here’s an idea. Let’s take insurance completely out of the equation. In my experience, it’s just trading one problem for another anyway. Thirty minutes after I get home from seeing the doctor for one condition, I develop a migraine filling out insurance forms and an ulcer worrying if the insurance company will pay the bill. Instead, let the government focus on what it’s really good at: Tax and spend.
In this plan, the government allocates tax money for healthcare into a wellness fund. Let’s call it the Well. When people in the plan receive healthcare treatment, the healthcare providers are paid directly from the Well. Each payment is called a dip and Individual Representative Service agents keep track of the big dippers and the little dippers. When the Well runs dry due to excessive dipping, we’ll call it ill. This will launch a whole new line of greeting cards wishing sick friends no ill-well.
It’s an all-win solution. People without insurance get healthcare. The government gets to tax and spend. And people with insurance get to wonder why they pay taxes and buy insurance. I only have one nagging question: if I lose my job and apply for COBRA insurance, what kind of coverage can I expect if I’m wrapped up by a python?