This is not a game or a strategy to stop the Democrats
and President Obama or to weaken them politically.
This is simply the political murder of Americans.
There are Americans dying everyday because they
do not have insurance.
These Americans want and need insurance but are
either denied coverage because of preexisting conditions
or are priced out of coverage because of high premiums.
Americans by the Millions have lost their jobs and with
unemployment they have lost their insurance because of
the high cost of assuming the entire premium when out
The focus needs to get back to the fact that we do not abandon
our own, we do not leave people behind. We offer a helping
hand to all who are willing and able to help themselves if
given a helping hand to get them back on their feet.
If this means a bare bone public option that is paid for by the
premiums of the unemployed and uninsured so be it. It can be done
with little Government costs if at all.
This solution is revenue neutral and is paid for by the premiums
paid into by the uninsured.
Premiums need to be $200 a month for Adults and $100
a month for children.
The number of individuals annually needing hospitalization
will be on average 13.5%.
The average cost per hospitalization currently is $17,195.
With cost savings and preventative care the annual costs
should be reduced.
Total revenues is $112,800,000,000 Billion
Total expenditures will be $109,102,275,000.
This is based on 2002 figures.
Health Care should be bottom up.
$10,000 of health credits per tax payer for preventative care.
The individual Must get a physical check up each year or lose a
the benefits. Give the Taxpayer a lifetime Budget of $250,000 for
medical care of their choosing. Pro rate this by age 18 to 72 at the
start of this program.
The way to keep medical costs down is early treatment. If a person
does not address a medical problem reduce their benefits.
This is not to REPLACE medical insurance but to give a minimum level
of medical care.
It is important to realize that this works regardless of the pool size
because it is based on the 13,5% of participants who end up
OK here is the math.
13.5% will need hospitalization
This means 6,345,000 annually hospitalized.
Average cost of hospitalization is $17,195
Total cost of all Hospitalizations
6,345,500 X $17,195 = $109,102,275.000 annually
To figure out group premiums.
$109,102,275,000 / 47,000,000 = $2,321.33 annually
$2,321.33 / 12 = $193.45 Monthly premium.