New Solutions to Make Health Care More
Steve Kubby knows that affordable health care -- readily
to all people -- is a priority. Yet, like centralized government
the government cannot accomplish this goal well. When President Clinton
tried to force his federal health care scheme on all of us,
took the lead in offering alternatives with Project Healthy Choice.
The only health care reforms that can provide better care at
affordable prices are those that draw on the strength of free markets
and fair competition. By focusing on five key goals, Steve Kubby can
guarantee Californians the best health care possible.
- Californians right to establish medical savings accounts
be strengthened and expanded. One key to controlling health care
costs is strengthening the role of the individual consumer. If you
want to see a real look of surprise come onto your doctor's face,
try this. Next time he or she tells you that you have to have
ask the cost of each procedure and what it is supposed to do for
you. Prices stay down when consumers make individual choices. There's
not too much choice left in health care today. You get what government
approved doctors tell you the government has approved. Breaking up the
health care monopolies created by government will put you back in
Medical Savings Accounts (MSA) are the first step.
As part of this process, you would be exempted from taxes on money
deposited in your MSA. This would be just like the money people put
into Individual Retirement Accounts today. You could take the money
you put into your MSA, without a penalty, to pay medical expenses and
you wouldn't have to use all of the money in a year or lose it like
some politicians advocate. Instead, you can let the money build up
in case something serious needs more attention in the future.
Then we have to deregulate health insurance companies so they can
offer people a basic catastrophic coverage at very low premiums.
Politicians in Sacramento have put mandates on insurance companies
that are so extensive, these companies have to include coverage in
basic policies that you or I would never need or want. Yet you and I
to pay for all those extras. By deregulating this part of insurance
protection it will help people when some serious medical condition
threatens them. In not loading this type of insurance with random,
mandated benefits, the cost would go down to a level almost everybody
could afford. By letting individuals like you and me pick and choose
we'll spend our own medical dollars, costs will go down.
- We have to change tax policy as the next consumer-based
Taxes have to be restructured to give people equal treatment between
employer-provided health insurance, individually purchased health
insurance, and out-of-pocket medical expenses. All health care
should be 100% tax deductible. This will add an important measure of
fairness to corrupt policies now that penalize self-employed people,
part time workers, and employees of small businesses. Today's policies
subsidize giant corporations at the expense of the little guys.
- We also have to deregulate the health care industry. In
government policies are responsible for rising health costs and
of health care services. California can take major steps to deregulate
the health care industry by changing laws to eliminate mandated
repealing Certificate-of-Need programs, and allowing the expansion
of the scope of practice for non-physician health professionals, like
nurse midwives, chiropractors, and nutritionists.
- Steve Kubby will work hard to persuade our Congressional
to replace the FDA. The Food and Drug Administration is an unnecessary
burden on the American health care system. There is no evidence that
agency offers you or me any real protection. On the other hand there
is massive evidence that the FDA causes great harm, driving up health
care costs and depriving millions of Americans of the medical care they
need. Abolishing that agency and replacing it with voluntary
by private sector organizations would help Californians immediately.
How would such a private agency work? Well, it's not just a good
idea, but one that already has a good working model.
Many years ago, shortly after the light bulb was invented, everybody
wanted their home wired for electricity. In those early days of
power, insurance companies found themselves paying for more house
fires than they could imagine. They discovered poor wiring was the
culprit. To cut their losses while saving many homes from fire, they
established Underwriters Laboratories. You can see the UL label on many
home appliances you buy. The rule became that if you wanted fire
insurance, you made sure that you installed wiring that was UL approved.
A similar group should be organized to provide standards for new
medical procedures and drugs. At no time should the government be
able to deny a patient's choice of health care. That's a private
matter between the patient and health care provider. Likewise, no
government agency should force medical providers to perform procedures
they don't believe are good, medically or ethically.
- Finally, we have to move to privatize Medicare and
you and I will have to turn to Washington to do this, yet California
can take the lead with waivers to start innovative programs to replace
these two programs that cost too much and give patients second-rate