Lots of problems and lots of active solutions.

We constantly hear about the health care solutions.  The health care is not a financial problem but a supply and demand issue.  We solve the supply and demand issue it is fixed.   The government could fix a lot with very little cost.   Create 200 to 300 medical service schools and create a public health corps.  You open the books so to speak.  Young people join a health corps and they get free medical service education.  Those with prior education get there student loans paid for as they participate and and 20% additional paid for upon completion.  The key to this education process is the 4 year minimum of service in the Healthcare Corps after graduation.  More participation in the Healthcare corps required for those that take advantage of position of dire need, for example doctors.

The reason for calling it a corps is to make it a civilian military branch.  Military branches are not able to unionized.  The participants of this opportunity should take the primary role of treating those without health insurance and that included Medicaid participants.  The major problem for this is the time to full strength is 8 to 12 years.  The  benefits are very controlled costs.  The costs would be contained to buying and distributing medical supplies at cost.  The is better than a cost plus 300% market.

The HealthCare Corps would be the largest health provider in the nation.  With that size you can buy in bulk and you can force competition among medical providers and insurance companies.  The HealthCare Corps could also take insured peoples payments and reduce the overall costs of medical services.

With this creation the corps, we must include a few things.  Insurance can not have an excluding process of pre-existing conditions and all insurance loose binding arbitration clauses.  All discrepancies in coverage must be heard before a state or federal insurance commissioner.

This is not meant to break the insurance companies financially, it is meant to make all parties equal in the process of insurance claims.  Insurance policies must be converted to commodities.  With that the federal government should define 5 levels of paolicies with coverage requirements.   Anything but these 5 levels will not be able to be sold as insurance.  The insurance companies will be able to sell “supplements” to various insurance insurance levels.  They must be identified as “supplements”  and define the level it supplements.   By defining the insurance coverages it creates a commodity.  It is sort of like granny smith apples, if I offer you a Granny Smith apple for 50 cents and another person offers a Granny Smith apple to you for 45 cents.  Which do you buy?  You have a choice and you know what you have.  With insurance today no one knows what they have until they use it.   This way you know what you have and everyone you utilize it with knows.  The forms to file would all be standard.  Standardization is a good thing.

The extra benefits gained are control of the service and pharmaceuticals industry.    The insurance companies would negotiate and control the costs.  The insurance companies could do this in the short run for the American people.   The next step in this process is to leverage the governments investments.

The government would extend the healthcare corps.  The government should fund universities to develop new drugs and medical devices.  The government could create and license these products for American construction only.  This improves job creation for the American worker.

What would this cost?  Almost nothing compared to the “health care reform” proposed by either party.  The reason for either of their packages is they like spending money and buying from their friends.  Why would they not like this it takes money and thus power from their friends.  It also allows strangers and the masses, with hard work, an opportunity at real power.   Power changes makes politicians nervous.

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