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Healthcare Reform
Conspiracy Guy logo
Common Sense

I thought I would take the time to layout my healthcare reform plan even though President Obama has already signed healthcare reform into law. The new healthcare reform law will increase healthcare costs and lower quality of care.

My solution calls for building a small government run hospital in every county in the country. There are 3,140 counties in the country and if we built a $100 million dollar hospital in each county that would cost $314 billion dollars. This $100 million dollars would be on average for each county. The actual price would be based on population and the $100 million dollars would be a baseline.

My solution doesn’t step on anyone’s constitutional rights or expand the federal government powers. So the argument of not being able to solve the healthcare problem without stepping on constitutional rights or expanding federal power is not a valid one. And this solution will help to lower insurance premiums instead of raise them which the new law will do. And this solution creates a healthcare safety net so even if you lose your insurance for whatever reason you can get treatment.

 

This is the way it would work

 

·         Government Hospitals would provide more bed space and would treat the following people

o   Unemployed who lost their medical benefits. This way if you lose your job you don’t have to worry about insurance premiums and copayments for yourself, spouse or children

o   Have a preexisting condition and can’t get insurance. These people would simply go to the government hospital for treatment

o   People who have hit cap limits on their medical policy

o   People who don’t make enough to buy medical insurance

o   College student who don’t have medical insurance

o   People who their doctor stop seeing because they stopped taking Medicare

o   Owners of small businesses who are starting up and don’t have the money to purchase medical insurance. Owners of small business can get treatment for the first 5 years that their business is taking shape and growing.

o   Illegal immigrants this will keep them from using regular hospitals and driving up treatment costs which gets passed along to insurance companies and their policy holders in the form of higher premiums.

o   People will be charged based on their ability to pay. This will keep people from taking advantage of the system by being a tightwad and not buying insurance when they can afford it.  If you’re unemployed obviously you have no extra money. But some people will be able to pay something and if it’s only an enough to buy a box of band aids that’s a box of band aid the government doesn’t have to pay for.

 

·         Increasing the number of doctors in the country

o   Doctors who work at these government hospitals at a reduced rate and for a preset amount of time will have the student loans paid for by the government. This will be similar to military programs that pay for education in exchange for joining the service for a certain amount of time. Once their time has been served doctors will be able to go into the private sector. Doctors have hundreds of thousands of dollars in student loans and this will help more people become doctors who were scared to take on that much debt. But you must become a doctor and serve to qualify to have education paid for.

o   Doctors who work at these government hospitals will also get a discount on malpractice insurance.

 

·         Low Cost Government Malpractice Insurance

o   The government will provide low cost malpractice insurance. This will be similar to government flood insurance for home owners who live in high risk areas. This will reduce doctor’s costs which mean lower doctor bills and less defensive medicine.

 

·         High Priced Drugs

o   The government will buy in quantity at a discount very expensive drugs and sell them to people who can’t afford them at or a little above cost. Some drugs are insanely expensive to the point where people simply can’t afford them. 

 

·         Low Population Counties

o   Counties who don’t have populations large enough to justify building hospitals will participate in a visiting doctor program. Doctors, nurses, x-ray, cat –scan and lab techs with visit these small town using a caravan of specially equip motor homes. These motor homes will provide all the services that you can get a typical doctors office or small outpatient facility including basic lab work. These caravans would roll into town on a regular basis and set up shop to see patients.

o   If a patient needs an operation or needs to see a specialist they would have to travel to another county for treatment which is something they would have to do anyhow.

 

·         Counties that have a Large County Hospital

o   Counties that already have a county hospital that treats people who don’t have insurance can use the money to set up satellite offices. These offices would be small treatment facilities where people could see a doctor, get an x-ray or cat scan and basic lab work done. This will make it easier on senior citizens and will help to keep people from using regular hospital emergency rooms as their family doctor.

 

·         Hospital Staffing and Operating Costs

o   Each hospital will have on average 200 employees with an average salary of $50,000 a year. The average yearly payroll per hospital will be $10 million dollars. And the yearly national cost will be $31.4 billion dollars

o   I figure medical supplies and building operating costs will be the same as payroll since its difficult for me to estimate that right now. $31.4 billion dollars a year

o   I figure the malpractice insurance fund will need start up funds of $10 billion dollars.

o   And I figure that each hospital will see 10 new doctors a year with each doctor having $250,000 dollars in student loans. This works out to be 31,400 new doctors at a cost of $77.85 billion dollars

o   I figure a National Drug Startup Fund to purchase expensive drugs and then sold to people who couldn’t afford the prescription would be about $10 billion dollars.

o   I figure each state will have one field office will an average staff of 200 people with an average yearly salary of $50,000 dollars. This works out to be 10,000 employee at a payroll cost of $500 million dollars

o   I also figure these field offices will have an operating budget equal to its payroll which will be another $500 million dollars nationally.

o   I figure there will be one central office (which would be best if located in a financially repressed state)with up to 400 employees with average salary of $50,000 a year. The payroll for this central office would be $20 million dollars a year.

o   I also figure the operating costs for this central office would match its payroll which is 20 million dollars.

 

Total Yearly National Costs

               

Total Number of Employees                

72,400

Total Yearly National Payroll

$31.4 billion dollars

Total Yearly National Operating Costs

$31.4 billion dollars

National Malpractice Insurance Startup Fund

$10 billion dollars * onetime cost

National Doctor Student Loan Payments

$77.85 billion dollars

National Prescription Drug Startup Fund

$10 billion dollars * onetime cost

National Administrative Costs

$1.04 billion dollars

Total Startup Costs

$161.69 billion dollars

Total Yearly Costs

$140.65 billion dollars

 

 

Paying for this Healthcare Plan

 

I propose a tax on all real estate transactions for new and existing buildings and properties including residential, commercial, and industrial. This kind of tax is the least repressive because it is spread out over the length of the mortgage or loan. Also I would include a portion of the money that is now spent on Medicaid. Medicaid is spent on different programs like people in nursing homes this money wouldn’t be touched. Just money spent on medical treatment would be redirected to these government hospitals.

New homes

 According to a Bloomberg story new home sales dropped to a 12 year low to an annual sales pace of 604,000 homes.

 

“: http://www.bloomberg.com/apps/news?pid=20601087&refer=home&sid=aH3heOi_252I

Jan. 28 (Bloomberg) -- Purchases of new homes in the U.S. unexpectedly fell to a 12-year low in December, ending the worst sales year since records began in 1963 and signaling little prospect for a recovery.

Sales decreased 4.7 percent to an annual pace of 604,000, the Commerce Department said today in Washington. The median price dropped 10 percent from December 2006, the most in 37 years.”

According the census bureau the average price of a new home in February 2010 was $282,600 if was placed an 8% tax on the average home would be $22,608 and if we multiply that by 604,000 we could generate $13,655,232,000

 

http://www.census.gov/const/uspricemon.pdf

 

Home prices

 

Existing Homes

According to Bloomberg existing home sales were 5.240,000 last year.

http://www.bloomberg.com/apps/news?pid=20601087&sid=aaCRVTkj_Idk

“Aug. 21 (Bloomberg) -- Sales of existing U.S. homes jumped more than forecast in July to the highest level in almost two years, signaling the housing crisis that crippled the world’s largest economy is easing.

Purchases climbed 7.2 percent to a 5.24 million annual rate, the most since August 2007, the National Association of Realtors said today in Washington. The gain was the biggest since records began in 1999. The median price fell 15 percent.

Purchases of existing homes increased 5 percent compared with a year earlier. The median price dropped to $178,400 from the $210,100 in July 2008.”

 

The average existing home price is $178,400 dollars and that number of existing homes sold was 5.24 million. By imposing a 5% tax on the average existing home price of $178,400 the tax would be $14,272 dollars. And by multiplying that by 5.24 million homes we could generate $74,785,280,000 dollars.

 

This brings the tax revenue generated from residential home sales to $88,440,512,000 dollars this is more than half the estimate cost of healthcare. The rest can easily be made up with commercial and industrial property sales tax and redirecting Medicaid funds. This healthcare plan would create construction jobs that were more evenly distributed across the country. And when the facilities are complete would create approximately 62,000 permanent jobs.