A Summary of my/our Health Care Reform Bill

As I have had many requests for the cliff notes version of my plan, Here it is:

Health Care Reform Draft – One Page Summary

Title I – Reforming Current Government Health Care Offerings

By finding solutions to the fraud and waste that have turned Medicare and Medicaid into $40 trillion liabilities, these programs can become the “public option” they were intended to be. My plan would shift responsibility for the administration and funding of these programs to the state level. Furthermore, states would be allowed to offer their plans to residents anywhere in the US. This will also introduce a competitive market dynamic to previously insolated programs in order to motivate efficiencies.

Title II – Reforming the Judicial Approach to Medical Malpractice

The most popular idea in health care reform is limiting financial awards in cases of medical “malpractice.” My plan severely limits what could be considered malpractice, prevents single lawsuits from naming multiple defendants, and incentivizes states to further reform by awarding judgments from their health care budget.

Title III – Enhancing Competition among Private Insurers

Using the proven method of Health Savings Accounts, my plan challenges the current employer-provided model by empowering individuals to make their own insurance purchasing decisions. The plan would shift money from employers, keeping their tax incentives in place, to individual accounts which may be used for health care or insurance as they see fit. If they meet minimal requirements for plan coverage and have money left in their account, they may claim it as taxable income.

Title IV – Regulatory and Anti-trust Reform

To further enhance competition, this plan simultaneously removes much of the regulation at the federal and state levels that prevent true market diversity and shifts attention to practices which are anti-market. Lowering regulation will lead to more affordable options tailored to the individual and incentive-based plans that reward individuals and doctors that focus on results. Expanding ant-trust protections will not prevent corporations from promoting their products and services, but will instead guarantee that their communication is open to the public as with “sunshine law” provisions.

Title V – Addressing Uninsured, Underinsured and Illegal Residents

As it is with auto insurance, the other titles of this plan will promote a market of affordable coverage. Those who can afford insurance and choose not to do so will only be punished when their actions impact the system through catastrophic care costs. This plan also addresses costs of providing care to illegal aliens by mandating that their country of residence be billed for goods and services.