Here's a catastrophe I would welcome!

Are you as fed up with this health care stupidity as I am? I'm more that fed up I'm so disgusted that I've decided to write my own plan. I have no expectation that our highly intelligent, morally superior senators and congress people ( a little PC there) will adopt my plan because it will fit on a couple of pages and has very little room for graft (read Acorn) ... bummer huh?

The way I see it the reason people are so concerned about the cost of health care is because they don't want to lose everything they've worked all of their lives for... wiped out by some no-name thoughtless virus. That would truly be catastrophic! So what's needed is not insurance that pays for a doctor visit for a hang nail or cold but a policy that will protect us from the things that go bump in the night... things that could wreak catastrophe on us financially. Hey here's an idea we could call it catastrophic insurance ... clever huh?

Here's how it would work.

Everyone would have a deductable of 5% of their net worth! Yup no matter what you net worth you'd pay 5%  before you could make a claim for anyone in your family. Those with a net of $5 million would be on the hook for $250k before insurance would kick in. A net of $20k would cost $1,000 before insurance would help.  Once you have paid your deductible for three years you would not be required to pay any more for your care no matter how expensive or for however long you live. No one would ever get wiped out by illness, accident or disease.

Seems to me if we were all required to pick up the tab for some of our care we'd all be a bit circumspect regarding why and when we go to the doctor.

What about all of the illeagles who are draining our healthcare dollars? I don't believe in turning away anyone who needs help. Anyone who shows up at a hospital or care facility who cannot prove they are a citizen or have a current green card would receive adequate care to stabilize their problem. They would be given 6 months of whatever medication they need and then promptly deported. No anchor babies, no long term care. Bingo bango bongo within a few years our system would be solvent. Our schools,  hospitals and prisons would be available to tax payers and life would be good.

Gee that didn't even take a page!