THANKS. this is the most reasonable alternative I have seen to date. I especially like the part about those who refuse to opt in not getting help later. The part about the illegals, I agree. I love the review boards and the preexisting clauses.It's spread out over several posts over several threads. Here's what I remember.
Health care is NOT a right. It is an option. In my plan there are "Tiers" of health insurance. NO ONE is required to purchase health care insurance, and there are no fines if you do not.
Tier 1: Public Option: this option is offered by the government at prices competitive with private insurance, or at low cost for those who have problems with affordability based on eligibility. It would be paid for through an additional tax called the "HC" tax. Folks who do not want this option, can opt out, and will either get a tax rebate for the "HC" amount, or will simply not be required to pay it, which ever is more efficient.
Tier 2: Private Option: for those who opt out of the public option. Folks can pay for private insurance, or accept their company's insurance options.
Exemptions: Under no circumstances can any illegal alien receive any kind of health insurance, public, private, or Medicare/Medicaid.
Cost offset: This is the radical, yet cornestone of my plan. If you opt out of the public option, and do not purchase a private plan, if you get ill, you MUST pay out of pocket. Under NO circumstances will the government subsidize your treatment. NO EXCEPTIONS... catastrophic illness, accident, children... NO EXCEPTIONS. The options will be there and will be affordable. You chose not to take one of them, you lose. No physician or hospital will be under any obligation to treat anyone with no ability to pay. They MAY if they choose, but they can also "opt out".
Other parts of my plan:
1) Major Tort Reform.
2) The ability to purchase health care across state lines to further stimulate competition.
3) Elimination of insurance company driven utilization review, putting all treatment decisions in the hands of the provider.
4) No pre-existing condition limitation.
5) Adult children can remain on parental health insurance until 26.
6) Centralized, independent organization reviewing/evaluating all health care insurers (including the public option) with the power to fine or even shut down.
These are broad strokes, of course, but you get the gist. The plan above should both please liberals with a public option and making health care affordable to everyone, and to conservatives with creating a system that requires personal responsibility and competition. I'd be happy to answer questions about this plan, and am open to some REASONABLE additions. If you just want to throw hysterical partisan hackery at me, don't bother responding to this post. Both HarryGurellia and LaMidRighter have seen parts or all of this and, if I recall correctly, liked what they saw.