A concept of life-term health insurance is presented here for public scrutiny. Please do not take even one word at face value; examine my facts and logic. Voice your opinion

The Concept

  • Any health care reform needs to start with a clear definition of the terms used.
  • Health insurance should cover only high and unexpected health care costs. “Unexpected” should also include a sickness that, after occurring, might require lengthy and expensive care.
  • Health insurance should offer only lifespan plans with protocols available to change providers.
  • Health maintenance plans should offer prepaid plans that cover low-cost medical care.
  • The policy should strongly stipulate that everyone has health insurance.
  • The public should be encouraged to invest in health savings accounts.
  • It should be an individual’s choice between having a prepaid health maintenance plan or paying small medical bills out of pocket as they come.
  • These changes intend to create a system where medical care providers would compete for patients, and because of that, the costs of medical care and medicaments would go down.