Reforming health care system has been a hot topic for many years. A society's commitment to health care reflects some of it's most basic values about what it is to be a member of the human community (Cockerham, 2012). Legislators have been proposing diferrent policies in an effort to solve this dilemma without significant progress. All proposals to expand insurance coverage have had certain flaws and were sometimes far from being ideal or even realistic.
Obama Affordable Care Act presents a reasonable approach to effectively address this challange by building on the current system. This new policy will implement multiple strategies that include strengthening empolyer-based coverage (pay or play), expanding and funding public coverage, and creating a new national purchasing pool offering a range of health plan options for individuals and businesses. Although expanding pulic coverage sounds a great way to cover a huge number of people, it will impose two problems. The first one will be obtaining enough funding resorces, and second will be providing equal and fair health care services to all Americans. Otherwise this will be a different form of socializing medicine where beneficiaries will have very lousy insurane that is not accepted by many healthcare providers and will leave people on a long waiting lists to get any medical service.
I don't beleive that I will be able in this paper to present a miracle proposal that will solve a long lasting and significantly challenging problem that left many of our policy maker gurus baffled. The purpose of this paper is to present some ideas that I believe, as a healthcare provider, will complement the Obama care plan.
1- Expanding public insurance option (Medicare) to cover people starting age 55 years old (instead of 65) but not at seniors' rate. This will target the age group (55-65) that can usually afford private insurance but now they have the option to purchase this government insurance at a competitive price. This insurance will provide the same benefits that Medicare regularly offers. The collected money will go to a pool of funds to provide coverage for the uninsured who fall in this category and to keep funding Medicare for the elders. This will also creat a fair competition in the insurance market, prevent monopoly, and improve quality and utilization in this market.
2- For younger age groups whether insured or uninsured, offer some incentives to encourage healthier life style, like tax credit, or health insurace vouchers that will be issued on an annual basis for individuals with low or no hospitalization or ER visits, or for individuals who can present a doctor note proving that they adhere to all medical recommendations and preventive measures. This can also be applied to companies and businesses that promote healthier life style among their employees and provide annual health screening and examination for their employees. The tax credit and the voucher will help this age...