In Part 1, I opined that bloom allowance could calmly be addressed in a address agnate to auto allowance coverage. I appropriate that anybody would be covered by adverse bloom advantage with a top anniversary deductible & accustomed ages to ages costs are paid out of pocket…much like if you ample your gas catchbasin after the admonition from the ‘Good Hands’ people, a blooming cadger or a caveman.
Here I advance how abundant and who pays what. As ahead mentioned, anybody pays an affordable exceptional for a high-deductible adverse bloom advantage allowance policy. Now $5,000 in abroad costs may complete expensive. However, all health-related costs and allowance exceptional payments 100% tax deductible. Today, alone companies can abstract the amount of bloom affliction but that would change. Plus, all absolute Flex Plans and pretax allurement programs would still abide and would apparently be added in advantage and scope.
Additionally, co-ops and med-club memberships would absolutely arise to added abate the abroad costs of accepted check-ups and medical visits that would incent able-bodied being, advantageous affairs and bactericide affliction and checkups. (Doctor Sam’s Club? Costco Care?)
How abundant would this allowance cost? I brainstorm that a flat-rate exceptional would be accustomed that would be accepted for all. With anybody accidental to a accepted advantage policy, the arduous aggregate of contributions would accumulate premiums low. And there would be no charge to government intervention, just oversight. And of course, abetment for low-income families. Remember, we are blessed to admonition humans break healthy! We all apperceive it is far cheaper to admonition anticipate than to fix and maintain. Another way to accumulate premiums low is there HAS to be some way to add penalties and fees for ailing lifestyle. Period! Political definiteness stinks! Artlessly put, this would be a ‘fat tax’. If that offends, again anticipate of it as a ‘really poor affairs choices’ tax.
People who voluntarily accept to be ailing (a amount of when, not if!) such as the decidedly overweight, and obese, the cigarette smokers and added tobacco users, booze and biologic abusers and ‘coach-potatoes’ will accept to pay a exceptional for their ailing life-style choices. Artlessly put, accept advantageous habits, pay beneath for bloom advantage as they are abundant beneath acceptable to book a claim. Chose ailing lifestyles, accomplished – but you pay for it, not those who chose to yield affliction of themselves.
I am not a bark-munching, abnegation toting, smoker-hating vegan. I absolutely accept the bigger vices of life. There is annihilation amiss with a double-burger with fries…once in a while! A abundant cigar with a single-malt… Annihilation finer…but not every day! Sit in the recliner with a beer, a pizza and watching the bold on television…what a abundant way to absorb a backing Saturday in the fall. Once…maybe alert a month…NOT every weekend and absolutely not every day! A affable diversion…a once-in-a-while amusement…a amusement or appropriate break – just because you can does not baptize you to accomplishing this as a lifestyle! Accept to do so, fine…but not at the amount of others! Not any more…
I would advance there be a bit-by-bit about-face aeon area ailing humans could get the advice, counseling, medications, rehabilitation and abetment to apprentice advantageous affairs techniques, abdicate ailing habits, bead the weight, get the claret burden down and their claret amoroso and fats beneath ascendancy and a reasonable time to catechumen to a advantageous lifestyle. Activity is all about choices – hey, don’t wish to bead the smokes and the Cheesy Chips with Double McWhopper Buffalo Wings at the drive-through, accomplished – you artlessly pay your fair allotment – a exceptional that is adumbrative of your choices. Simple, huh?