The Citizens Health Care Plan
• The Public Option: The Federal government should jump start non-profit insurance cooperatives without initial loans but with large grants (similar to bail-outs) No beneficiary premiums would be required for people with incomes lower than $45,000 for individuals and $65,00 for families of three or four. Tax credits won’t work because poor people do not have stable incomes. They may not file income tax returns.
• Employers with any number of full time employees must offer coverage with the lowest cost plan that meets requirements set by the government. There should be competition between insurance companies as well as real public option as described above.
• Long term care should cover the full cost of at least $75 a day for individuals who have worked at least five years.
• Abortion should be covered by the case of rape, incest or health emergency with the mother or the fetus. Abortion should be available to any woman 18 or under. A private health care plan can refuse coverage.
• Illegal immigrants must pay for basic insurance if they are working in the US. Visitors to the US will receive care with pay. If they cannot pay they will be deported as soon as they are healthy.
• Children should receive care without cost paid for by Medicaid. If the parents are not citizens the family will be returned to the native country as soon as the child is healthy.
• Any health insurance plan should be paid by funds from a surtax to high-income earners of $500,000 a year and increasing exponentially with the level of income. Makers of pharmaceuticals pay sums allocated according to market share and earnings.
• Health Insurance premiums must be capped and adjusted according to incomes of subscribers. These amounts could be set by the Federal or State governments as decided by the people in an election.
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