Responsible and Fair

 Healthcare For All

Financial Incentives For Changing Behaviors At Risk For Disease

Do No Harm


Healthcare in the United States1-5
The current U.S. healthcare system is fundamentally flawed, making its reformation essential for the nation’s economic prosperity and individuals’ physical health, and according to some, is on the verge of imploding. As a result, healthcare costs are now seen by many economists as the greatest threat to both private-sector economic growth and government budgets. Rising healthcare costs constrain job creation and real wage growth. Increases in publicly funded healthcare costs are straining budgets at the federal, state and local levels of government.

Financial Principles
1. Costs for this healthcare will be paid for by a health security tax. Medicare insurance collections currently come from 2.9 percent (approximately) deductions on wages, salaries, etc. This will increase to 9.0 percent and Medicare contributions will no longer be necessary.18
Healthcare costs will also be supported by taxes on things that directly or indirectly contribute to health problems such the direct effect of alcohol, tobacco, drugs and the indirect effects of high-caloric density and nutritionally deficient foods and of automobile fuel that contribute to excess body weight and inadequate physical activity.
3. Costs for healthcare will be capped at less than 70 percent of the present annual medical care expenditures. Establish a simple claims and payment system with one clear set of rules to reduce administrative costs. Overhead costs of private insurers now consume 25% to 30% of the premium dollar; under universal health insurance this would be less than 5%.
4. Low-risk individuals can realize a rebate of their health security premiums. High-risk individuals can receive no rebate. The high-risk individuals most importantly include those overweight and obese, tobacco users, drug users, and alcohol abusers.

Healthcare Problems

Healthcare Solutions

Financial Budget


Incentives For Change

Principles For Reform

References & Notes