Now that the Republicans have the floor they don’t know what to do with it … health care hangs in the balance of uncommon sense and revenge … the Democrats aren’t going to vote to repeal their own law … the Republicans should know that while certain elements in the Republican Party are in fact the old Tea Partyers who have no agenda other than “read our lips no more taxes.”  But the real reason is the Red’s want to stick it to the Blue’s … ala Obama Care.  On the other hand, what would have been smarter and more effective? … amend Obama Care and force the Democrats hand to participate … then attach the tax reduction act to it and give the taxpayers a 15% rate reduction and use 71/2% of the windfall to fund their personal health care savings account.  SHIFT (self health investment funding trust) the paradigm to individual policies with premiums based on each individuals health profile … no deductibles, no coinsurance, no preexisting conditions … just plain ole pay your own bills based on your own health care habits and needs.

Obviously, this is too simple and effective … why continue to make laws on our personal lives when it would be more practical to let us all be responsible for the cost of health care?

What are the costs of health care … just try to get a provider to tell you … they can’t because they don’t have to and never have.  How can that be? … health care is a business isn’t it … no it’s treated like an institution … no restraint and no accountability for the final costs to the consumer.  Why is that?  Because in the days of Blue Cross it was the employer’s responsibility to fund their employees health care coverage and regardless of the underlying cost.  No accountability on the employee’s part nor are they concerned about the cost either.  The economists call that externalizing the hurt so it doesn’t hurt the employee just the employer.  To internalize the cost, deductibles and cost sharing methods were devised to attempt to get the employee to stay healthy and not over utilize the services … creating higher and higher costs of treatment based health care.   At the same time, the politicians and bureaucrats still think that they can create laws that will force compliance and conformity to something the Greater Good can afford.  Then call any short fall funding “due to fraud and abuse” by those dirty providers.  Obviously, stinking thinking.

When and how will it all end?  As long as we all call it an issue rather than a problem there will never be a solution.  Well then smart ass what is your solution?  Use an enterprise model to replace the institutional model and internalize the costs to the individual with a withholding program putting aside 71/2 (one half of their income tax reduction) aside for each employee and they become their own investment club for their health care needs.  The withholding will be put aside in a Mutual Health Insurance Company SHIFT (Self Health Investment Funding Trust) account for the use of paying for prevention, treatment, medications, therapies, hospitals, nursing homes, home care, etc. based on outcomes.  What if there isn’t enough money in the account from time to time to pay for services … a short term loan will be made by the Mutual Health Insurance Company and repaid out of the ongoing withholdings.  This reduction in take home pay will be displaced by a corresponding income tax reduction of 15% each year.

This creates true competition for the providers vying for the individual’s business … thus forcing the providers to have accountability for pricing, costs and outcomes.  A win-win situation, with the lawmakers saving face as a bipartisan concession to Donald’s trumping Hillary and the established Democrats.  From that point on maybe the two party system can be effective in draining the swamp of unneeded laws, exorbitant taxes, regulations, bureaucrats, cost of enforcement and uncontrolled cost of treatment rather than prevention.   Replacing it with payment based on prevention and quality of life as the beneficiaries become healthier Americans because they are now internalizing the responsibility to prevent chronic diseases by replacing unhealthy habits with healthy lifestyles.