Thursday, November 10, 2016

American Needs a New Health Care Plan. The first step is to talk.

Funding health care is a business problem. It is not a political problem.

I've complained that Trump does not have a clear plan for repealing Obamacare.

This really is not a problem. As I said in the opening sentence. The solution should come from the private sector and not the president.

The big problem we face is that there are no viable business solutions on the table.

This is an easy problem to solve: A half dozen people could sit at a table. Talk about free market health care reform. They would write up and publish a business plan.

At this stage in the game the six people don't even have to be serious about starting a business.

The way I see this going is that group meets. The group draws up a business plan for funding health care. The group then creates an advocacy group for this business model.

Back in the 1980s I worked designing program for an insurance firm. I concluded that insurance fails to give us the health care that we need. This is easy to prove.

So, I created an alternative to insurance which I called "The Medical Savings and Loan."

This MS&L funds health care with a combination of savings accounts, a loan reserve and grants. The center piece of the plan is a new position called "The Health Care Advocate." The advocate replaces insurance agents and claims adjusters.

I created the MS&L as a mechanism for breaking apart insurance pools into individual accounts. A defining characteristic of the program is that the money flows from individual accounts to the health care provider.

This simple change opens up a huge debate about the nature of insurance. Since the money for care is flowing through individual accounts, the MS&L creates a better picture the health care that we need in our society.

It turns out that, in free society, the vast majority of people (over 90%) could self fund their care. The mantra of the MS&L is simply: "those who can self fund their care should."

The program has a generous system of grants to help those who cannot self-fund their care. The mathematical model I created indicates that the MS&L is likely to get more money to the people in critical need than group health insurance.

Since the money is flowing through individual accounts, the MS&L will restore the pricing mechanism in health care which will lower health care costs.

Of course, delivering health care is about people and not mathematics. The central piece of the MS&L is a position called "The Health Care Advocate."

The business model I want to create is for the advocate. The advocate replaces the health insurance agent.

The presentation I have starts with the MS&L as a mathematical model, but it ends up talking about the advocate and the human side of health.

Anyway, if there was someone interested in discussing health care reform, they could contact me. I have some wonderful ideas that could profoundly affect the health care debate.

The down side. I live in Utah, but I am willing to travel. If a person can guarantee a group of six people willing to discuss and work for free market health care reform, I would be willing to take out a loan to travel and meet the group.

The upside of living in Utah. We have great skiing. If people want to have a ski vacation and talk about free market health care reform when they are off the slopes. I could work that out. The only problem. The snow isn't here yet.

To recap:
  • Trump does not have a plan for repealing Obamacare.
  • Not a problem: Funding Health Care is a business challenge and not a political one.
  • What needs to happen is for a group meet to create an alternative model for funding health care.
  • The group would create a business model.
  • After creating the business model the group would create a non-profit advocacy group to promote the model.
  • The advocacy group would select a spokesperson. That spokesperson would go to TV stations and talk about the model.
  • The spokesperson would meet with leaders in their state and might even go to Washington to meet the president and people in Congress.
Funding health care is a business challenge. It is not a political challenge. The first step to facing this challenge is for a group of courageous people to sit down and discuss alternatives to group health insurance.

There may actually be wonderful rewards for anyone who is brave enough to think.

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