Best 5 options for health insurance in USA

Best 5 options for health insurance in USA
Best 5 options for health insurance in USA

Free Market

 To a very large degree, this is the G.O.P. approach. They proclaim, the choice, should be left to each individual, and, this way, there would be fewer requirements, for health insurance. However, prior to 2010, this was the approach and insurance rates were spiraling, there were large deductibles, pre-existing conditions could be excluded, and, there were tens of millions of citizens, who were uncovered by any plan.

ACA restored

 Simply restoring the Alternative Care Act, in its entirety, would not solve the problems! Because of the political compromises, in passing this legislation, it was a well - intentioned, but, flawed law! Because of much of the political rhetoric, and misstatements, at one point, many opposed it, because they believed, the statements made! Rates were going up, far faster than anticipated, and medical costs kept rising.

ACA improved

Instead of throwing it out, and starting again, to reinvent the wheel, wouldn't it make more sense, to tweak it, and fix what's wrong? Protecting the protections for preexisting conditions, making health insurance available, etc, are essential, to any quality plan, but coming up with a more affordable process, lower deductibles, lower drug prices, etc, are among the many things, which should be enhanced, and improved!

Medicare - for - All

There have been lots of hooplas, for what is referred to, like Medicare - for - All. Some political proponents proclaim, Americans love Medicare, and, a single-payer plan, would be more efficient, and fairer. However, since we pay, out of every paycheck, a premium for this program, all our working life, and, then continue paying, over $135 each month, after age 65, it obviously isn't free! We are constantly warned about the financial stresses on the program, and, this is, despite the premiums paid. In addition, Medicare Part B only pays about 80% of the cost of physicians' care, and, the best of the supplemental programs, now costs, nearly $3,500 per year, in addition. How many, truly believe, the track record of the federal government, is stellar, in terms of getting the  best, bang - for - the - buck?

Public/ private options

It might be the best approach, to combine the best of, what private industry offers, with the so - called, public options! This might bring about a degree of competition, improvement, and addressing the major issues and obstacles.