If the Trump administration really wanted to repeal and replace health care with all the right intentions, then its main focus would not just be directed at the American people. Management must include and focus on these types of organizations as well: large pharmaceutical companies, health care providers, and insurers. This short list does not include lawyers whose available legal expertise is suing companies 24 hours a day and another reason why the cost of health care is out of control. These manufacturers, providers, insurers, and law firms are some of the main reasons why health insurance is so expensive. Did you know that there is no limit to the amount of money that insurance companies can charge their customers for the amount of their monthly premiums?
There is a lot of talk about tax credits, the rising cost of insurance, socioeconomic barriers, and the possibility of Medicaid being phased out entirely by 2020. These issues raise concerns. Where and how are people going to pay for any type of insurance? In particular, how will those who earn minimum wage and are not part of group coverage through their employer health plans pay for insurance? The complexities above and the legalese used today are just another way to cause confusion.
This is not a difficult solution and is just another way to keep the American people duped and bewildered. One thing that had been done well to some degree was when insurers used to calculate and track the underwriting process. Underwriting is a process in which insurers obtain information from the medical information office to review your medical history and determine risk tolerance. Today, this process has been eliminated; therefore, insurance companies don’t know who they are insuring, leading to ridiculous premiums. One way to lower premiums again is to simply allow the underwriting process to start over. No one’s premiums should be higher than their monthly mortgage, even if the whole family is insured. Insurers should once again be free to insure people in good health and adjust monthly premiums based on consumer risk factors.
Existing mandates under the Affordable Care Act guidelines must remain intact and no one must be denied coverage. Everyone should be able to get coverage regardless of their pre-existing conditions and if people are struggling financially then financial assistance should be available to help people pay for health insurance. More than enough money is spent on everything else, like defense and infrastructure spending, and not enough on humanity. Some states have what are known as cost-sharing reduction (csr) plans that limit the amount of money people pay toward their deductible and limit the maximum out-of-pocket cost consumers would pay for medical expenses.
Ohio, California, and Georgia, to name a few, have such plans. Additionally, New York State is a prime example of caring for its residents who are struggling financially. They have insurance available to people based on their income level and household size where consumers pay monthly premiums as low as $20.00 per month. This is having a God attitude and caring for those less fortunate. Other states should follow suit and use the same approach and guidelines to make health insurance more affordable for their residents.
God cares about the poor; “For the oppression of the poor, for the groaning of the needy, Now I will rise,” says the Lord; I will put him in the security he craves.” Psalms 12:5. Where is the heart of the poor?
