Tuesday, April 16, 2013

Finances Says Otherwise

Tax day forced me to face financial reality.

I am now no longer financially able to drive to Arizona to host a meeting.

I spent every dime I had between 2008 and 2010 trying to find people in the mountain west willing to stand up for freedom. 

I figured the cost of driving to and from Phoenix, renting a hotel room and conference room for the meeting would be range from $500 to $750.

I was willing to take out a loan. I've been left hanging so long that I can no longer come up with the money for a trip.

I am selling the domain MedicalSavingsAndLoan.com on GoDaddy. I will keep the domain HCA.me.

Personally, I am devastated that we've become such a pathetic people that no-one (within 700 miles of Salt Lake City) is even willing to take an afternoon to talk about the most important issue of our day.
In five years of searching, I had one offer to drive all the way to San Diego, but I didn't have enough money to get back.
The meeting would present the idea that the Achille's Hill of ObamaCare, RomneyCare, the state run Health Exchanges and State Run Health Coops is the false assumption that insurance is the only way to fund health care.

The way to beat the power grab is to create an alternative business model for funding health care. But if there is no one who care enough about freedom to talk with a neighbor, then we deserve every bad thing that we get.

Sunday, April 7, 2013

What I am Looking For

I have a workshop on free market health care reform that I've been hoping to present.

The workshop will take several hours. In the work shop I create a model for self-funded health care. I use a combination of savings accounts, a loan reserve and grants. I then create a model for group funded care. Insurance and socialism are both forms of group funded care.

With two models in place, it is possible to explore the difference between self-funded and group funded care.

My model indicates that group funded care underserves the lower and middle classes and that it has the pernicious effect of concentrating wealth and power in the center.

I contend that the problem in health care is the use of group funding for individual consumption and that the way to improve things is to restore the concept of self-funded care.

In the modern political context, I argue the following. The current health care debate is based on the false assumption that insurance is the only way to fund health care. The weak point of ObamaCare is the insurance mandate.

The way to defeat ObamaCare is to expose the false assumption and to create an alternative to insurance.

If we had an alternative to insurance that served the working class better than ObamaCare, we could expose this fiasco as the regressive legislation that it is and possibly put our nation back on the path of renewal.

I live in Salt Lake City.

What I am hoping to find is a group within 700 miles of Salt Lake that is willing to make a firm commitment to hold a meeting on Free Market Health Care Reform.

By group, I simply mean a few people who have a firm commitment to attend a meeting. If someone told me that they could guarantee that six conservative or libertarian leaning people would meet in, say, Grand Junction on May 15th, then I would be delighted.

The workshop takes a few hours. We create a model for self-funded care. We then create a model for group-funded care, then discuss the differences between the two models.

People who attend the workshop will see the health care debate in a new light and will be empowered to promote free market health care reform.

What I am Selling

My meeting will argue that the problem in health care is overuse of group funding for individual consumption. The solution is to create a self-funded model for health care.

I will argue that funding health care is a business problem and that we need a business solution. The path to solving the health care problem is to create new businesses.

I created an entity called the "Health Care Advocates Association." The goal of the HCAA is to create a new business model for funding health care. In the meeting I will sell the idea that we need an organization dedicated to the creation of a new business model for funding health care. The absolutely worst thing that will happen to people who attend the meeting is that I will talk about starting businesses and organizations.

A Post for a Twitter Thread

Both Republicans and Democrats operate on the assumption that insurance is the only way to fund health care. (NOTE: Socialism is insurance run by the state. Employer based insurance is essentially socialism run at a corporate level).

Driven by the false assumption that insurance is the only possible way to fund health care, Republicans and Democrats have the single minded focus on forcing everyone into insurance.

The Left and Right are split on a false dichotomy. Republicans want every one forced into corporate owned insurance. Democrats want everyone forced into state owned insurance.

I worked writing computer programs for a state owned insurance company. I began seriously analyzing the data and realized that insurance was doing more harm that good.

So, I set forth to research the economics of funding health care and finding alternatives.

Specifically, I created a system centered on privately owned health accounts. At the time people used the term "Medical Savings Accounts." I supplemented the private accounts with a loan reserve. I created a generously funded grant system to help people who could not afford to self their care.

All money in the MS&L flows from personal accounts. I add robust document management program to the accounts. These accounts become a robust personally owned health record.

Changing the flow of money would lead to a major realignment of the health care system. Jobs like medical claims adjusters and medical transcriptionists would disappear to be replaced by a new position that I called a Health Care Advocate.

I called my model "The Medical Savings and Loan."

So, I now have a mathematical model that shows how health funding would look like in a free society. I can compare this with the insurance model.

What I discovered is that the insurance systematically harms the working and middle classes. Insurance creates a ruling elite which controls most of the resources in society.

Conservatives have stupid talking points like the idea that buying insurance over state lines would improve things. The moment I have my model up on the screen, I can show that this argument is dead wrong.

Conservatives argue that adding a Health Savings Account to a High Deductible Insurance Policy will save the day. My model shows that the HSA+HDHC is even more regressive than regular insurance.

My goal for the last five years has simply been to find someone who will sit in a room for an afternoon to listen to a presentation about this idea.

The only thing I've learned to date is that Conservatives simply refuse to discuss ideas. In five years I've been unable to find a single Conservative withing 700 miles of Salt Lake City who is willing to sit down for an evening to talk about health care.

I've spent every penny of my savings driving to Reno, Denver, Phoenix and Las Vegas (four trips without finding even one person who is willing to discuss free market health care).

I've written every single so-called conservative organization I can find within 700 miles of Salt Lake. The only replies I've been given are firm rejections.

Health care is the single most important issue of the day. If Republicans actually cared about the people of this nation, they would be in the streets actively looking for ideas. In five years of aggressive search, I have not found a Republican who is even willing to discuss the foundations of funding health care.

Monday, April 1, 2013

Packaging Freedom

Long ago I worked writing programs to track and analyze insurance claims. During this experience I realized that insurance was systematically flawed and was leading people to ruin.

After leaving the insurance industry I spent years trying to come-up with an insurance-like program that would help people finance their health spending.

I realized, of course, that there is no way to package freedom.

Any artificial constraints placed on savings and spending in health care creates false signals that have a negative effect on health care.

I finally took the approach of stripping health care down to its bare core.

On stripping health care it is core, I realized that health care is about applying time and resources to the care of health. Health care is all about people. People, not a system, should be the center of health care reform.

Money is simply a tool we use to track time and resources.

Every single person on this planet has time and resources. The challenge is figuring out the best way to use time and resources.

The centerpiece of the health care reform I propose is a new position called The Health Care Advocate. A Health Care Advocate is a person who specializes in the financing of health care. Advocates help people set up savings programs. They help people find care providers and negotiate prices. The advocates would know about loans and grants available for people with insufficient savings.

The heart of my health care reform proposal is this position.

I am a mathematician and computer programmer; so I created a structure for analyzing health care data. Insurance (and socialism) analyze the experience of a group over a year. In my proposed reform, I engage in a whole life analysis of the individual.

Insurance (and socialism) see individuals as fragmented beings processed through a system. It is dehumanizing.

My program starts with the assumption that each person is a whole being. I then create tools that empower individuals as whole beings. The process is humanizing.

I admit. I love to work on logic and mathematics.

However, the process of restoring health freedom is all about people and real human to human communication.

My goal for these last few years is simply to get a group of people into a room to talk about free market health care reform.

I live in Salt Lake. I am not LDS. I am stuck waiting until I find a group of people brave enough to discuss free market health care reform. I am willing to travel. Contact Me