Ron Galasso wrote on Mar 11, 2008 12:56 AM:
" Hi Karen,
Great article!
I agree healthcare insurance cost needs to be driven by a free market, not the government. Social Security, Medicare, VA, TriCare and Medicade are programs that are currently paying out more than their taking in. By 2020, with the senior population doubling (baby boomers), there will be major cutbacks in these programs. This will have a "snow ball" effect on all healthcare programs provided by the government.
I'd would add that access to affordable and equitable healthcare will be based on:
1. Every individual and family having the responsibile for their own physical, emotional and spiritual health (each affects the other)or "total wellness"
2. Healthcare cost should be factored like auto insurance. If you have a good driving record, no tickets or accidents, the rate/premium you pay is low. Those individuals and families that are responsible for their total wellness, fewer doctor appointments, surgery/hospital stays, pay lower premiums and out of pocket costs.
3.If you're self-employed, an independent contractor, or your employer doesn't provide health insurance, and you manage your total wellness, you can get a high-deductable plan on your own for about $90/month—a fraction of what an employer would have to pay for the same coverage, $250-$400/month.
4.If you are employed and pay extra to cover your spouse or children under your employer-sponsored plan—you may save 50% by taking them off your employer plan.
5.If you own a small business and are getting killed by double-digit premium increases, you can now give employees tax-free money to buy their own plans and get your company out of the health insurance business.
Being responsible for you own total wellness, allows the individual or family to afford equitable healthcare coverage. The free market will respond by offering lower costs of healthcare.
I'm currenty a state licensed health insurance broker. I'm 60 with free VA healthcare benefits. My wife is 59 with a heart condition. Her PPO healthcare prgram is $340/month. We practice "total wellness" for ourselves, our kids and grandkids.
Thank you and God bless you for facilitating this exchange between us stakeholders.
"