Try listening to the people

Just an idea regarding the constant deadlock in the House and Senate. Please listen up both Conservatives and Liberals.  We as your constituents are really sick and tired of you playing Russian Roulette with our economy and our country.  You are grown men and women yet you go about your business like a bunch of 12 year olds.  Conservatives, which I consider myself one, you have to have a plan to replace the things you don’t like and liberals open your minds to the will of the people.  Take Obama care, it’s the law but that doesn’t mean that it can’t change for the better.  Find the parts that you want to change and put together a panel of doctors, hospital administrators and insurance company representatives and find common ground keeping politics out of the program.  Look for ways to modify not just break the law.  Things like doing away with the mandate of registration where all the info is in a government data base, I think we all know the danger for the people in that.  Do away and replace the concept with something both sides can agree to.  Aiming at defunding is just another road to deadlock.  Leave the things like pre existing in but with a Federal program to aid insurance providers in cases like this so that the cost is not factored into those who are not sick.  Allow people to have their own policies that are based on personal ability to pay and designed to give the individual maximum coverage.  Competition among employers will guaranty coverage for employees.  Make it a law that everyone who works for the company gets offered the same deal no special programs that exclude the lower echelon of workers.  If someone wants to buy a supplement with their own money let them. 

People who decide they don’t want medical insurance should be required to set up personal coverage programs through tax free medical savings plans.  Should they exceed their coverage they will either be forced to pay or if the government has to pay the provider the persons IRS account would be attached until paid.  Those who are welfare recipients would be put into a category where all special programs would be put through the same account.  Aid to children, welfare, food stamps, phones, section 8 housing etc. would all be paid to one social security number and not by individual agencies, this would reduce the chance of fraud and duplication.  It would also provide a look at the total dollar amount being spent compared to the national average wages in the area.  A special account in this program would be set up for paying for medical insurance negotiated through a local HMO system.  Doing away with the fraud in all these duplicate programs will pay for the offset.  After 12 months receiving benefits a depreciating allowance will be enforced and only offset by submission of job applications routinely checked by field agents.  The idea is to keep the federal regulators out of the program allowing it to develop as simple as possible. Once again fraud in this area would be punished by mandatory sentencing for the perpetrators.

By monitoring the insurance companies and allowing them to set up a policy cost based on preventive services and patient history we could hold down the cost to the public.  Medicare and social security programs need to be considered and by combining the programs to eliminate duplicated efforts and fraud the cost could be reduced greatly.  Adding 2 years to retirement and eliminating the early retirement program for those under 45 would save billions in future payouts. 

The key to any of these changes is passing a law that sets automatic sentences for those convicted of fraud.  Make the punishment fit the crime. Making one agency responsible will give it a better opportunity to track payments and expenses per individual and by including addresses with social security numbers duplication and fraud will be easier to track.  Field officers will be used to check recipients information and follow up claims.  Child protective services would fall under this agency.