Bear with me as I work through a rough draft of an incomplete concept. With the whole health care debate raging on, I encountered a lady who is in a situation that I think I have an idea of how to help. Please, please correct me if any of the following suppositions or concepts are wrong, as I am woefully uneducated on this particular topic, and could be flailing wildly for something beyond my grasp.
Many Americans find themselves in something of a situation when they work and try to live responsible lives, meanwhile struggling with the dreaded "pre-existing condition", or they make too much money to qualify for medicaid, while their income is insufficient to cover insurance expenses. Here is my question/idea.
What if a new level were added to the medicaid system where people who make too much money to qualify could buy into the system through a voluntary increase of their federal taxes to offset the additional burden they place on the system?
To illustrate, lets say I am a 30 year old male with an existing condition who makes roughly $30,000 to $50,000 (I'm not sure where the numbers would actually work, these are just arbitrary) annually. Now because of my condition, I have been denied coverage by my employers program, into which I WOULD have paid several hundred dollars monthly, and find myself with limited options.
Now lets just imagine that the govt had a program where people in my situation could sign up to have several hundred dollars taken from my salary or paycheck in the form of additional FICA taxes and I would be allowed to receive all the benefits of other Medicare recipients, with maybe some additional co-pays and or deductibles comparable to those I would have dealt with in the private program offered by my employer.
This is not a panacea and I recognize it would not help everyone. I do think, however that this concept could be utilized to allow the government to assist people in need without placing undo financial strain on the system.
Again, this is a rough idea. Something like this may already exist, or it could just be stupid. Pleas let me know what you think.
This page will be a running record of what goes on in my head. Most of it will be gibberish with no value whatsoever, and the rest will be garbage with no value whatsoever.
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1 comment:
Thank you for sharing. That is more of a solution that I think is considerate of many. No it may not help everyone, but it is a step in the right direction. I also think that people who recieve medcaid. Good ideas and brainstorms are what helps to create an overall solution.
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