Health Plan
Rick Hughes 12-09

HERE IS MY IDEA OF A HEALTH PLAN. FIRST, THE LOW DOLLAR IS NOT THE DEADLY DOLLAR IN HEALTH CARE, IT IS THE HIGH DOLLAR. LET US GRADUALLY PHASE IN A SYSTEM WHERE YOU CAN PURCHASE A HIGH DEDUCTIBLE OF, SAY 5000, OVER A THREE YEAR PERIOD. AFTER THE DEDUCTIBLE YOU HAVE A STOP LOSS OF, SAY, 12000 OVER YOUR LIFETIME, MAKE IT 90 10 BETWEEN 5000 AND 12000. YOU PAY 10 PER CENT THE INSURANCE PROTECTOR. 90 AFTER IT REACHES 12000 OUT OF YOUR POCKET, THE INSURANCE COMPANY PAYS THE REST, THEY PROTECT YOU FROM FINANCIAL DESTRUCTION COMPANIES. ANY INSURANCE COMPANY THAT WANTS TO COMPETE SHOULD BE ABLE TO. THE CUSTOMER WILL DESTROY THE INEFFICIENT COMPANIES. COMPETITION WILL HOLD DOWN PRICES AND PRE EXISTING CONDITIONS. WE MUST BE CERTAIN THEY ARE PRE EXISTING SHOULD BE 100 PERCENT TOTALLY COVERED BY OUR HEROES THE TAXPAYER. AN INSURANCE COMPANY GETS MESSED UP TRYING TO COVER PRE EXISTING, AND MORE OF INTEREST THE NORMAL CUSTOMER IS OVERCHARGED OR UNDERSERVED. LOOK, HERE IS A PERFECT ANALOGY, MY HOUSE CATCHES ON FIRE, I DID NOT INSURE IT, I WANTED TO SAVE MONEY. THE HOUSE WAS UNINSURABLE. ANYWAY MY HOUSE IS ON FIRE, I CALL THE INSURANCE COMPANY AND GET COVERAGE UP TO REPLACING THE HOUSE, THIS TOTALLY DISTORTS PRICING MECHANISM. IT IS MORALLY RIGHT TO COVER PREEXISTING SO THE ONLY WAY IS THROUGH THE TAXPAYER. THAT IS MY PLAN, SO THE DEMOCRATS HAVE NOTHING ON ME, AND I DO NOT THINK THAT OTHER PARTY DOES EITHER.