Health Reform: Changing the Insurance Model
At 18% of GDP, health care is too big to be revised in one step. We advise collecting interest on the revenue, using modified Health Savings Accounts. After that, the obvious next steps would trigger as much reform as we could handle in a decade.
- Clinton Health Plan of 1993 - Part One Mistaking Senate re-election of Harris Wofford to mean the country demanded reform of the medical system, newly-elected President Clinton announced he would create one. When stakeholders surmised he was making it up as he went along, they deserted him.
- Clinton Health Plan of 1993 - Part Two Fifteen years after the Clinton Plan, public dissatisfaction with the health financing system is no better, probably worse.
- Health Insurance Clinton Health Plan and its replacements.
- Obamacare Follies, Executive Summary Obamacare needs simple explanation
- Obamacare: Examination and Response An appraisal of the Affordable Care Act and-- with some guesswork-- its tricky politics. Then, a way to capture major new revenue, even paying down existing Medicare debt, without raising premiums or harming quality care. Then, an offering of reforms even more basic, but more incremental. Finally, the briefest of statements about the basic premise.
- Reflections on Impending Obamacare Reform was surely needed to remove distortions imposed on medical care by its financing. The next big questions are what the Affordable Care Act really reforms; and, whether the result will be affordable for the whole nation. Here are some proposals, just in case.
- (1) Obamacare: Spare Parts for a Book Maybe these should have been included, but it was decided to leave them out.
- Health Savings Accounts, Regular, and Lifetime We explain the distinction between Health Savings Accounts, Flexible Spending Accounts, and Lifetime Health Savings Accounts. Sometimes abbreviated as HSA, FSA, and L-HSA. Congress should make it easier to switch between them. All three are superior to "pay as you go", health insurance now in common use, only slightly modified by Obamacare. It's like term life insurance compared to whole-life. (www.philadelphia-reflections.com/topic/262.htm)
- (Front Stuff for Health Savings Accounts: Second Edition) George Ross Fisher, M. D. Health Savings Accounts: Second Edition George Ross Fisher, M. D.
- SECTION THREE: Classical Health Savings Accounts: Many Surprises One of the originators of Health Savings Accounts describes their advantages over existing health insurance. Improvements are suggested for the regular HSA. More dramatic cost improvement emerges from a lifetime HSA version, substituting whole-life approaches for pay-as-you-go. Most of this requires legislation, but could reduce health costs dramatically.
- Co-ordinating Obamacare With Health Savings Accounts