In the president’s SOTU last night, he said regarding health care:

But if anyone from either party has a better approach that will bring down premiums, bring down the deficit, cover the uninsured, strengthen Medicare for seniors, and stop insurance company abuses, let me know.

Here is a simple approach that will work:

  • A. ELIMINATE ALL EMPLOYER PAID HEALTH INSURANCE and group rates
  • B. ELIMINATE ALL INTERSTATE OBSTRUCTIONS TO SALE OF HEALTH INSURANCE
  • C. CAP MALPRACTICE LAWSUITS
  • D. INCREASE THE SUPPLY OF HEALTH CARE PROVIDERS.

Part A. will:

  • because all workers will be required to pay for 100% of their insurance out of their own pocket, they will have shop and negotiate for the lowest insurance rates.
  • remove the disparity between what the self employed pay for insurance and what regular, previously employer-subsidized workers pay.
  • Just as self-employed workers presently do, to keep their insurance premiums low, all workers will negotiate larger deductibles, giving them a strong incentive to question and negotiate the charges of their healthcare providers…driving down costs.

Part B. will:

  • remove in-state and regional  monoplies of insurance companies … increasing competition and driving down rates.

Part C. will:

  • drive down the cost of insurance since legal fees that need to be paid by that insurance will be less.

Part D. will:

This 4 point approach will accomplish the goals the president outlined, but it requires real change, the kind of change that Mr. Obama’s special interest backers (like unions and banksters) will not support.  McCain had a proposal in his campaign to tax the employer paid part of health insurance, but the special interests and Mr. Obama shouted it down.  McCain ran a poor campaign and deserved to lose, but this proposal was on the right track.  Too bad,  Obama’s offer for real change is a farce

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