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Can Democrats and Republicans agree upon anything to reduce medical insurance costs?
Medical insurances' annual fees per patient may make some financial sense, but annual deductibles are nonsense. We do not want to discourage people from seeking preventative and screening medical services that are reasonably applicable to their current medical rather than their financial conditions.
Deferring such reasonable preventative and screening procedures can lead to some individuals' future death, and/or catastrophic disabilities and their treatments' costs. Reluctance to pay for such procedures is economically and financially and socially contra-productive to our nation and our population.
Regardless of whatever shall be our nation's future healthcare policies, it would be prudent for the federal government to require all approved Affordable Care Act, (ACA) policies should prohibit any annual deductibles before their coverages “kick-in”.
I suppose that some government and non-government insurance plans have identified some reasonable preventative and screening conditions and procedures for which there's no patients' out-of-pocket costs.
We should consider federal government formally compiling and updating an expanded book of all items for which all ACA approved policies would be prohibited from charging out-of-pocket costs.
Some portion of costs for all (government or non-government) ACA approved medical insurers costs due to items within the federal book of no out-of-pocket reasonable preventative and screening conditions and procedures items' costs should be federally subsidized.
Similarly, the government should provide catastrophic medical cost insurance for both insured or uninsured individual legal residents' entitlements;(Hospitals need such reimbursed even for non-insured patients).
These federal direct and indirect medical insurance subsidies should be charged to a general rather than to any more specific medical item in the federal Budget; (not directly charged as a Medicare, or Medicaid, or veterans or CHIPs cost items).
These government subsidies would reduce these costs attributed to all ACA approved medical insurance plans and can be considered by state regulators of medical insurance prices.
Respectfully, Supposn
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