Posted 11/22/17
My -- Medicare Plan for All
Latest edit 2/10/19
Notice: I would postpone launching a Medicare care plan for all -- due to the rising National Debt—due to the Reagan, G.W. Bush, and Trump’s tax cuts. I would not add more unpaid for benefits; since, we are not willing to pay for the cost of government we have now: debt to GDP ratio should be reduced to under 80% before enacted Health care for all, unless we are willing to raise taxes to pay for it; more or less, balance the budget.
The below plan: I no longer endorse; completely, I want to review it and possibly change it, when I have the time: it is very complicated.
I am thinking: a health care card, for those that qualify: no premiums: cost paid for by a graduating individual and corporation income taxes:
Those that want to buy private insurance: get a tax credit.
Employers who voluntary provide healthcare: get a tax credit.
There would be some conditions to get a Medicare Card.
There would be some restrictions on types of medical care.
This is my old Plan:
I would begin with the facilities, services, plans and assets that we have in place and add to them and make some changes….
Section I
Part 1: I would leave Medicare ABCD as it is.
See Section IV for some changes.
Part 2: Private insurance plans paid by the individual who can afford them for self, wife, and children—or jointly
1. Premiums paid by individuals that enroll
2. These insurance companies would set the rules, coverage, and type of plans.
3. Those that have private healthcare insurance would be exempt from the payroll tax on Medicare Part 5.
Part 3: I would have states provide medical care for individuals and families that can’t afford it and have no insurance.
1. 50% founded by states: 50% funded by the federal government through various kinds of state and federal taxes.
2. States and Federal governments would set the qualifications to receive this medical care and the amount of coverage provided.
Part 4: Medicare Insurance plans provided by the employers for employees.
1. The cost for employers a deductible expense
2. These plans would be voluntary.
3. Employees and employers would be exempt from paying Part 5 Medicare payroll tax.
Part 5: The government subsidized plan would provide medical care through contracts with private medical care insurance providers: the federal government would pay costs for people enrolled in Part 5. This plan would be funded by a employee and employer payroll taxes. For employers the tax would be expensed. The balance of the cost of Part 5: paid by other taxes; such as, the individual and corporate income tax.
1. For people that don’t have private medical care.
2. For people that don’t have employer provided plans
3. This plan would accept people with preconditions.
4. It would have co-pays and deductibles.
5. It would set the rules, limits, and type of coverage.
6. The self-employed would pay both payroll taxes
7. To qualify you must earn the minimum wage and work full time.
8. Individuals earning less than the minimum wage and have little or no income: would apply for Medicare Part 3.
These are the graduating payroll tax rates for Part 5: employees:
single spouse [optional]* each child income bracket
2% 1% 0.5% $0 to $10K
3% 1.5% 0.75% $10,000 and over
3.5% 1.75% 1% $15,000 and over
4% 2% 1.25%. $20, 000 and over
4.5% 2.25% 1.5% $30,000 over
5% 2.5% 1.75% $40,000 over
5.5% 2.75% 2% $50,000 over
6. 25% 3% 2.25 $60K to $80K
* Footnote: spouse may be employed
These are the payroll tax paid by the employer:
A. 1% of wage for small companies
B. 2.5% of wage for medium corporations
C. 5% of wage for large corporations
1. If, the Medicare Plan for all is enacted: I would lower the corporation income tax rate to 20%.
2. Unless there is a substantial increase in the federal minimum wage: or the Earned Income Tax Credit may be necessary.
Part 6: Medical Programs for government Employees
1. I would; periodically, examine for fairness, abuses, excessive costs and benefits.
Part 7: Medical care for the incarcerated:
1. Would provide essential medical care [no sex-change operations].
2. Inmates with outside unneeded –or superfluous income would be charged; partially or fully for their medical care and the cost of incarceration.
Part 8: The armed forces would have their own medical plans which would include the “VA” for veterans.
Part 9: In places, where it is feasible, the federal government could experiment with owned and operated hospitals, to see how well it works.
1. Qualified people would enroll and pay the Medicare payroll tax, as well as employers, the same as in Part 5.
2. It would be subsidized by other taxes.
3. It would operate under the same rules as Part 5.
4. Medicare Part 1, 3, and 5 could be joined.
4. If, successful—expanded to other places
Section II
Part 1: My plan would be two divisions:
A. From birth to retirement age
B. From retirement age to the end of life [seniors]
C. or merge the two into one
Note: the difference: B is paid while you are working to pay for medical care when you are retired [not working]: A is paid for medical care for self, and family, while you are working.
Part 2: Sen. Bernie Sanders says Medicare is a right; yes, generally speaking, but, there could be denials, limitations, and increases in the payroll tax: 1% to 10% on wages and the cap increased to $160K and/or higher co-pays and deductibles for the following reasons:
a. people obese
b. smokers
c. excessive alcohol use
d. illicit drug use
e. gays, bisexuals, transgender, and lesbians with higher frequency of STDs and HIV.
f. expelled for certain infractions
Part 3: You should be able to switch from one plan to other: private, employer, and government, but, required to be enrolled in one.
a. Between employment: a bridge plan set up.
Section III
Part 1: Sodas, sugared fruit juices, and junk food that cause diabetes, heart disease, and obesity should be taxed to help pay for public medical care.
Part 2: Food additives, toxins, and trans-fat that are known to cause cancer, other diseases, and birth defects would be banned from processed foods.
Section IV
Some limits for seniors on Medicare Part 1:
1. Government would have the right to set cost limits on drugs and medical procedures [since it is subsidized].
2. Determine what is futile.
3. Block the use of medical science to keep people alive with little no hope of return to useful lives. 4. Medicare for seniors would have restrictions on the use of costly medical procedures, drugs, and treatment for people nearing the end of life.
5. If, people want more or different coverage: they should buy supplemental plans, which is part C. -- at their expenses.
Section V
1. Parents should have the right to terminate the life of a child with severe birth defects in the womb or after birth.
2. The right to die for certain incurable health, mental, and physical impairment conditions should be part of the law.
3. Government subsidized insurance plans would not pay for medical expenses for people in a persistent vegetative state.
Section VI
A fund set up the state budgets to reimburse hospitals who provide emergency Medical care for victims of car accidents, gun shots, etc. for people who have no insurance or inability to pay for it: 50% funded by the federal government.
Section VII
1. Health, nutritional, disease causes, and drug education should be included in public schools.
2. Drug companies not allowed to pay doctors for prescribing their drugs.
3. It would not fund Drug Rehab Programs and Mental Health Services.
4. The government would fund public health education programs on the Internet and television.
5. Government medicare would not pay for medical marijuana and more sedulous on prescribing opioids.
6. A new Department would have to be created to manage the Medicare Plan for All on the Federal and State levels.
7. A new Czar appointed to oversee America’s Health.
Summary
Medicare for all is complicated and expensive and what will work and not work, requires some trial and error.
People, themselves, must realize they hold the key to lower medical costs: more than 70% of health issues are self-inflicted.
Therefore, for any health care plan to work – to cover all-- must have government regulation and funding by taxes, must contain elements of private, employer, and government funded healthcare programs, must evolve with changing circumstances, must be affordable, and supported by the majority of people who willing to pay the cost.
_______
My -- Medicare Plan for All
Latest edit 2/10/19
Notice: I would postpone launching a Medicare care plan for all -- due to the rising National Debt—due to the Reagan, G.W. Bush, and Trump’s tax cuts. I would not add more unpaid for benefits; since, we are not willing to pay for the cost of government we have now: debt to GDP ratio should be reduced to under 80% before enacted Health care for all, unless we are willing to raise taxes to pay for it; more or less, balance the budget.
The below plan: I no longer endorse; completely, I want to review it and possibly change it, when I have the time: it is very complicated.
I am thinking: a health care card, for those that qualify: no premiums: cost paid for by a graduating individual and corporation income taxes:
Those that want to buy private insurance: get a tax credit.
Employers who voluntary provide healthcare: get a tax credit.
There would be some conditions to get a Medicare Card.
There would be some restrictions on types of medical care.
This is my old Plan:
I would begin with the facilities, services, plans and assets that we have in place and add to them and make some changes….
Section I
Part 1: I would leave Medicare ABCD as it is.
See Section IV for some changes.
Part 2: Private insurance plans paid by the individual who can afford them for self, wife, and children—or jointly
1. Premiums paid by individuals that enroll
2. These insurance companies would set the rules, coverage, and type of plans.
3. Those that have private healthcare insurance would be exempt from the payroll tax on Medicare Part 5.
Part 3: I would have states provide medical care for individuals and families that can’t afford it and have no insurance.
1. 50% founded by states: 50% funded by the federal government through various kinds of state and federal taxes.
2. States and Federal governments would set the qualifications to receive this medical care and the amount of coverage provided.
Part 4: Medicare Insurance plans provided by the employers for employees.
1. The cost for employers a deductible expense
2. These plans would be voluntary.
3. Employees and employers would be exempt from paying Part 5 Medicare payroll tax.
Part 5: The government subsidized plan would provide medical care through contracts with private medical care insurance providers: the federal government would pay costs for people enrolled in Part 5. This plan would be funded by a employee and employer payroll taxes. For employers the tax would be expensed. The balance of the cost of Part 5: paid by other taxes; such as, the individual and corporate income tax.
1. For people that don’t have private medical care.
2. For people that don’t have employer provided plans
3. This plan would accept people with preconditions.
4. It would have co-pays and deductibles.
5. It would set the rules, limits, and type of coverage.
6. The self-employed would pay both payroll taxes
7. To qualify you must earn the minimum wage and work full time.
8. Individuals earning less than the minimum wage and have little or no income: would apply for Medicare Part 3.
These are the graduating payroll tax rates for Part 5: employees:
single spouse [optional]* each child income bracket
2% 1% 0.5% $0 to $10K
3% 1.5% 0.75% $10,000 and over
3.5% 1.75% 1% $15,000 and over
4% 2% 1.25%. $20, 000 and over
4.5% 2.25% 1.5% $30,000 over
5% 2.5% 1.75% $40,000 over
5.5% 2.75% 2% $50,000 over
6. 25% 3% 2.25 $60K to $80K
* Footnote: spouse may be employed
These are the payroll tax paid by the employer:
A. 1% of wage for small companies
B. 2.5% of wage for medium corporations
C. 5% of wage for large corporations
1. If, the Medicare Plan for all is enacted: I would lower the corporation income tax rate to 20%.
2. Unless there is a substantial increase in the federal minimum wage: or the Earned Income Tax Credit may be necessary.
Part 6: Medical Programs for government Employees
1. I would; periodically, examine for fairness, abuses, excessive costs and benefits.
Part 7: Medical care for the incarcerated:
1. Would provide essential medical care [no sex-change operations].
2. Inmates with outside unneeded –or superfluous income would be charged; partially or fully for their medical care and the cost of incarceration.
Part 8: The armed forces would have their own medical plans which would include the “VA” for veterans.
Part 9: In places, where it is feasible, the federal government could experiment with owned and operated hospitals, to see how well it works.
1. Qualified people would enroll and pay the Medicare payroll tax, as well as employers, the same as in Part 5.
2. It would be subsidized by other taxes.
3. It would operate under the same rules as Part 5.
4. Medicare Part 1, 3, and 5 could be joined.
4. If, successful—expanded to other places
Section II
Part 1: My plan would be two divisions:
A. From birth to retirement age
B. From retirement age to the end of life [seniors]
C. or merge the two into one
Note: the difference: B is paid while you are working to pay for medical care when you are retired [not working]: A is paid for medical care for self, and family, while you are working.
Part 2: Sen. Bernie Sanders says Medicare is a right; yes, generally speaking, but, there could be denials, limitations, and increases in the payroll tax: 1% to 10% on wages and the cap increased to $160K and/or higher co-pays and deductibles for the following reasons:
a. people obese
b. smokers
c. excessive alcohol use
d. illicit drug use
e. gays, bisexuals, transgender, and lesbians with higher frequency of STDs and HIV.
f. expelled for certain infractions
Part 3: You should be able to switch from one plan to other: private, employer, and government, but, required to be enrolled in one.
a. Between employment: a bridge plan set up.
Section III
Part 1: Sodas, sugared fruit juices, and junk food that cause diabetes, heart disease, and obesity should be taxed to help pay for public medical care.
Part 2: Food additives, toxins, and trans-fat that are known to cause cancer, other diseases, and birth defects would be banned from processed foods.
Section IV
Some limits for seniors on Medicare Part 1:
1. Government would have the right to set cost limits on drugs and medical procedures [since it is subsidized].
2. Determine what is futile.
3. Block the use of medical science to keep people alive with little no hope of return to useful lives. 4. Medicare for seniors would have restrictions on the use of costly medical procedures, drugs, and treatment for people nearing the end of life.
5. If, people want more or different coverage: they should buy supplemental plans, which is part C. -- at their expenses.
Section V
1. Parents should have the right to terminate the life of a child with severe birth defects in the womb or after birth.
2. The right to die for certain incurable health, mental, and physical impairment conditions should be part of the law.
3. Government subsidized insurance plans would not pay for medical expenses for people in a persistent vegetative state.
Section VI
A fund set up the state budgets to reimburse hospitals who provide emergency Medical care for victims of car accidents, gun shots, etc. for people who have no insurance or inability to pay for it: 50% funded by the federal government.
Section VII
1. Health, nutritional, disease causes, and drug education should be included in public schools.
2. Drug companies not allowed to pay doctors for prescribing their drugs.
3. It would not fund Drug Rehab Programs and Mental Health Services.
4. The government would fund public health education programs on the Internet and television.
5. Government medicare would not pay for medical marijuana and more sedulous on prescribing opioids.
6. A new Department would have to be created to manage the Medicare Plan for All on the Federal and State levels.
7. A new Czar appointed to oversee America’s Health.
Summary
Medicare for all is complicated and expensive and what will work and not work, requires some trial and error.
People, themselves, must realize they hold the key to lower medical costs: more than 70% of health issues are self-inflicted.
Therefore, for any health care plan to work – to cover all-- must have government regulation and funding by taxes, must contain elements of private, employer, and government funded healthcare programs, must evolve with changing circumstances, must be affordable, and supported by the majority of people who willing to pay the cost.
_______