With the mid-terns coming up the highest priority again seems to be health care.  Though this has been the case all along the Republicans have avoided specific details and the Democrats rationalize that Medicare for everyone is what the majority of Americans want.  Here are the realities to either party’s current stance: number one the Republicans don’t have a feasible counter offer to Medicare other than the repeal of Obama Care with the caveat that there will be something better coming and secondly the Democrats cannot propose a way to pay for Medicare for the elderly let alone all Americans.  Having made a career out of solving the convolutions of Medicare for the elderly and Medicaid for the indent, I can tell you right now that neither party has the answer. What is the answer>  To answer I must make some premises or rules:

1. Preexisting conditions will be covered
2. There will be no deductibles or coinsurance
3. There is no waiting period based on age
4. There is no maximum coverage limits
5. Legal aliens will be covered by employers
6. You keep your current providers (doctors and hospital)
7. There are no age limits
8. There will be no denial of claims
9. There will be no fraud and abuse inferred nor allowed
10. The program will be administered by the private sector
11. Funding will be by individual social security number
12. Funding will be withheld from the employed individual ‘s paycheck
13. And deposited in their individual investment account
14. With a licensed Mutual Health Investment Company
15. That will process valid
16. Claims for each individuals’ payment demand record

The estimated cost for a colossal single payer Medicare fits all plan is neither insurance nor a feasible financial plan for paying for illness rather than wellness. Those estimates go as high as  twenty to thirty trillion dollars per year as the Baby Boomers hit the skids.   This out of control plan compared to a SHIFT Self Health Investment Funding Trust phased in over the next decade eliminating the Government control and privatizing the delivery and funding of $5 Trillion per year by its members.   This provides for prevention and health preservation services that are created by the private sector small businesses for managing the lifestyles of its members in a self-health mode.

By internalizing the responsibility for each individual’s lifestyle and habits and putting the funding in each individual’s financial management account, we begin to eliminate exorbitant administrative costs and capitalize on the individuals control of their own funds.  Then any savings go to each individual, not into a sunk cost account with the Black Hole called big government.  With this comes competition for providers and focus on wellness for the individual members.  Each member can then hold the providers accountable for evidence based medicine,  positive outcomes and earned incomes. The overall savings are estimated to be $1 trillion per year based on current costs and twenty trillion over ten years.