Tuesday, March 21, 2017

The Federalist Posts An Idea for Health Insurance

And it is worth exploring.

The basic idea is that the government would provide an umbrella catastrophic health insurance plan for everybody.  In this vision, it would include payments for pregnancy care.  So, in essence it would kick in at a deductible or max-out-of-pocket of $5,000 (this is unstated in the description) or cover certain specific types of situations.

Then people would buy private insurance or self-insure everything below that max-out-of-pocket amount.

It isn't Medicare for all, but the author believes it is cheaper than American Health Care Act which is cheaper (because it covers fewer people) than Obamacare, and in the process it would provide Catastrophic Insurance for everyone.

That is an idea worth exploring from a die hard Conservative.

Link to Federalist column

Meanwhile, NYS GOP Congresspeople ignore my letter to them and instead of focusing on making health insurance affordable for their constituents, they cut a deal with GOP House Leadership to forbid NYS from forcing counties to share in the cost of Medicaid, while leaving NYC with that obligation.  I don't know how other states share Medicaid costs, but if NYS is singular in this approach, this change may not be all bad, but it does mean income tax rates in NYC state will not be going down.  And the pressures from Dementia Care will be a more forthright issue in this state.  I would not want to be on the NYS Death Panel deciding when to evict Grandma out into the snow in Utica when she blows through her maximum expenditure provided by the Federal Government.

I know of this division and what it means to county finances because of my mother.  Delaware Country didn't want to pay for her dementia long term care.  So they sued my Father to spend down more than required by the law of the land and our lawyer won the case forcing them to do so.

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