Hello all,
I'm a person who likes to waste time on the interwebs, so American news cannot help but be available to me.
Now, since my own country's politics are to depressing to think about and Trump is objectively hillarious in his idiocy, I've spent an inordinate amount of time observing America's situation, and I've come up with an idea for a healthcare proposal that ought to be better than skinny Obamacare, or no Obamacare, and conservative enough that some less insane Republicans might be willing to swallow it, and I'm interested in what Americans, especially experts in the field, might think:
1)Create a Limited Liability Corporation and call it "Citizens' Voluntary Mutual Aid Fund" so that it sounds freemarkety.
2)Make it cover all medical costs of everyone who applies, along with all their legal dependents, up to a limit of $100 000 per each person, in exchange for a minimum monthly premium of $50, or something else significantly lower than private insurance or Obamacare level penalties.
3)After one or more of the $100 000 personal funds has been fully or partially exhausted, every regular mothly payment of $50 put in increases all non-full funds by $150, until the original $100 000 state has been restored.
4)Only payments in excess of the base $50 per month increase the fund further, and the more one gives, the more right one has to demand money for medical treatments.
5)Allow people to either sign up for CiVoMAF, pay Obamare-like penalties, or get private insurance, and make CiVoMAF the cheapest option
6)Put a few billion dollars into it at the start
Now here's the selling points for Republicans:
7)Allow people to sell their right to withdraw any sum above the $100 000 base fund, and reward large investments with greater leverage, i.e. you put in $1000 000 000 in cash, and you have a right to extract $4 000 000 000 worth of care from the CiVoMAF, which you can then sell to anyone willing to buy for say $2 000 000 000.
8 )Allow the CiVoMAF to invest any excess earnings(earnings above the obligatory costs of providing care) into assets, and make them tax exempt.
9)Mandate that acutely ill people, who have either depleted their own packages or have dependents in such a situation, get first pick of any sales of withdrawal rights, followed by sick people/people with sick dependents whose funds have not been exhausted, and only then the general public.
10)Make the organization equally accountable to all who put in the minimum, regardless of how much they give in excess of the minimum.
11)Somehow get some billionaires who like to maintain a good-ish image, or are looking to divert the public's attention from their evilness to invest into the fund
And then hope the massive initial cash injection, along with the fact that nearly EVERYONE with an income will be joining it, the fact that there are reputable billionaires investing into it, and that it's massive bargaining power will somehow get and keep that thing in the green before gjillions of dollars start haemorrhaging out of it to pay for tens of millions of the poor and sick.
Edit:
It either doesn't bother rich people (except those in direct health care provision) or gives them something to look forward to(investment opportunity), or at least gives them an escape hatch away from complete ruin in the case of the insurance companies, which will be allowed to buy into CiVoMAF and still profit somewhat, even taking advantage of the lower prices it will be able to haggle out of providers.
). Republicans universally opposed Obama care for 6 years and depicted it as the end of America and then revealed they had nothing different and have left it there.
