My healtcare platform will be as follows:
Currently I pay $300 a month for insurance. My company is a startup and doesnt provide it. Most people who work for large companies pay $60 a month or so and the company picks up the other $240.
This plan will still have you pay $60 but that will go towards an insurance policy with a $5000 deductible. The other $240 will be paid to you by your company and you can either get insurance or keep the money.
You will have to pay cash for all doctors appointments until you reach the $5000 deductible at which point the insurance will kick in. This will accomplish two things. It will cause doctors to be much more accountable to their patients because people will be furious if they give their dr $1000 and he does nothing or gives people bad advice. It will also cause people to take care of themselves because they will be rewarded by not having to spend money for healthcare that year and get to keep the $3000. Why should I pay the same for insurance as someone who drinks every day, eats all the wrong foods and doesnt work out?
I spent $1000 in April on healthcare, roughly half of my take home pay, and got absolutely nothing out of it. This will make both me and my doctor much more accountable.
Blue cross blue shield personal choice high option 448/ month no dedctable