We have an opportunity to show Donald Trump a people’s healthcare plan, let’s work together to create something Great. Help us create an ObamaCare alternative.

Below is an idea for an ObamaCare fix for example, can you add to it or do better?

Comment with your ideas below, and we’ll take the best ideas and present it to President Trump (to the degree we can as citizens) as “a peoples’ healthcare plan.” This would be a great way to fix our problems and show unity.

  1. Fix all real ObamaCare sticking points (not ideological ones). So fix things like the family glitch, but not “fix” taxes by repealing them.
  2. Expand tax credits to 400% – 600% of the Poverty Level.
  3. Push states to expand Medicaid with unique solutions, this way we can help test to see what the best Medicaid solutions are (if Pence expanded, then any state red or blue should be able to find an option that works for them).
  4. Expand HSAs and allow for power accounts like Pence’s HIP 2.0
  5. Include a public option that can be bundled with Medicaid state by state allowing people to buy into a public plan that supports other Americans.
  6. The public option then replaces the mandate, as those who would owe the fee can get the option. Those who don’t want this should be able to opt-out.

We have more ideas, but this keeps it simple. Do you have better ideas or ideas for price controls? Share them below!

What do you think?

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Angela Simms on

Trump Administration should create a Major Medical plan that covers major illnesses, and people should be able to get additional health care where ever they choose if they need or want it. This cuts down on cost of premiums, covers major expenses, cuts down on paperwork for the government “suggested” plan, everyone pay the same thing for major medical care and define major medical care to include any pre-existing condition because it is possible that a medical condition has been managed without major medical costs, quit covering kids over 21 unless they are in school, do not force maternity or gender specific illnesses and allow them as riders that you purchase separately, offer a catastrophic illness policy that is above and beyond what major medical covers. Three tiers: Health maintenance for those people who need doctor visits covered, Major medical for those with pre-existing conditions or want to have the insurance to cover a major medical condition, and a catastrophic care provision similar to a cancer policy. You can pick one, or all three. Based on statistics of where the insurance companies have lost money (major medical Im guessing) the fee would be somewhat tied to the medical category of expenses based on claims.

Obama care sucks – because a 6000 deductible, with a 600 premium a month, and if you had a 10,000 illness, you could come out of pocket 7200 for premiums, 6000 deductible, and 4000 remainder you would be responsible for at best 20% – 800.00, not considering things that are just not covered, for a total of $14,000 out of pocket for just one year. If your illness was ongoing, you start over in 6 months. For a person making 48,000 a year, or 4,000.00 a month, and you subtract housing – 1000, automobile with insurance, 350, food for family of 4 – 500.00, utilities – 500, gas for car, 200, school necessities for kids, 150.00, phone(s) 200, television/cable minimum 100, clothes, 200, 600 insurance, 20% of any medical care, – average doctor bill, 200 – 40.00 – you are at the limit of your 4,000.00 a month. There is no way that a family could meet a 6,000 deductible in the course of a year. Using the above scenario, if you make 48,000 and have a catastrophic illness, you would come out of pocket 14,000. Taking that right off the top, leaves you $33,000 to handle a family of four. And, if it were a catastrophic illness, it would bankrupt a family and they would be on the streets hungry. The door is wide open to pay the penalty in taxes. Ludicrous. It has to be a “cafeteria” plan so families have some coverage without the potential to be bankrupt and on the street. We shouldn’t live, work and worry about health insurance. AFFORDABLE Health Care. . . . Not APPALLING Health Care.

David on

I do not like the ACA however in your article you state an income of $48K which provides you with a subsidy for your insurance. Therefor your insurance premium and out of pocket costs are way less then you state.
However I do agree major medical is a better way to go

jim sumner on

i earn 49920 annually and i do not qualify for government subsidies. their calculator results would have me pay a 769 premium and a 7200 deductible. i’m not gonna bother to even to the math. its too much. i’m just gonna pay the penalty and if i get sick, just hope i die peacefully without too much pain because they are probably not gonna allow me to have anything for the pain on account a few people choose to abuse prescription drugs.

Robert Millette on

Have the same plan for all Politicians. Federal and State Senate/ House , Judiciary branches should have exact same choices/ processes and coverage as the private sector.

Lorene on

Include mandatory vision and dental care for adults due to the link between heart disease, cancer and other diseases to dental and vision.

Patricia Demsko on

ACA has save me in many ways. I don’t think the AHCA will help most of us. I know what the Republican Party did to hurt the ACA – shame on them.
To be honest as long insurance companies and drug companies are profit base, there will always be problems with cost. I strongly believe we need one insurance for all like all other countries. What profits are made they could go in a rainy day fund.

Rita Mihniak on

I think it makes no sense to insure children up to the age of 26 years old. If the child is a student and not employed, then they should remain on the parent’s plan. However, if the child is gainfully employed or married, there is no reason for them to be on the parent’s plan, they should have their own health insurance and pay for it separately. Also, any plan that weakens coverage of pre-existing conditions or makes it more expensive for those situations, is not a good plan. Premiums for chronically ill or elderly people should not be so high as to make it unaffordable for them to have insurance. That is a form of discrimination. Government employees, including Congress, should be included in the new plan.

Lisa on

Charge Medicaid users $1-5 for prescriptions
$5-10 dr visits
$25 for hospital visits

It will bring in billions!
Stop letting ILLEGALS GET OBAMACARE!!!
Fund 5 billion for opiod treatment NOT 45 BILLION
The addicts suck $$ from healthy ppl or people with REAL HEALTH CONDITIONS!
Go after doctors that abuse the system by writing too many opiod prescriptions unless for cancer patients or extremely painful conditions.

jim sumner on

illegals are getting Obamacare?
do they have to pay premiums and out of pocket expenses?
if an illegal attempts to buy Obamacare, then they will most likely be given medicare benefits. allowing this to happen is no less than theft. stealing from a federal program that is meant to benefit us citizens. how can this program continue to exist if benefits are looted and given to illegal? as far as repealing and replacing Obamacare, just repeal and forget replacing it because this law never should have been. get the federal government out of the healthcare business. As for members of congress and their staff members, Trump should use an executive order to drop their coverage with a 30 day notice and let them purchase on the exchange. if it is good enough for the citizens they represent, then it is good enough for them. then maybe they will get serious about doing the work they were sent to Washington to do.

David on

First expanded medicaid is a terrible idea because it places more burden on the Federal government instead of the states and does nothing to control costs. I believe a better way is to look at states whom refused to expand medicaid and look at what has proven to be successful. A perfect example and the only example I can provide is Wisconsin whom has built a model program which contains costs and provides better services.
However I feel that even state medicaid recipients should have to pay something even if only $25 per visit.
Now to cost control, regulations with ACA are proving to be counter productive and have eliminated choices for competition. Competition and intelligent incentives for doctors to become independent and to mandate open pricing for procedures so the consumer can at least be informed is very important. Co-Operatives should be encouraged and health insurance companies or anyone but the direct consumer should not be allowed to sue the Co-Op. We see Co-Ops being extremely effective within the companies that share the burden such as Puritans or Medi Share, Liberty and Christian Health Sharing. All of these plans take care of their members for less then $600 per month for a family. Two of the companies mentioned have special programs offering 1 million in coverage and one of those offers unlimited sharing.
I just checked into family care for our family through ACA and the projection for next year is a little over $2,000 per month.
Combine the ability of co-ops and private direct care doctors like Dr. Umber or in my city the Joyful Doc and you have unlimited access to a doctor for $50 to $75 per month as an adult and $10 to $25 for each child. The bottom line is true competition and responsibility is by far the best route to a successful healthcare system. Anything else does not control costs which is a disaster like single payer. The more the government is involved and regulating the worse it is for citizens.

Antonio G. Aguilar on

1. Repeal anything that’s mandatory pertaining to health insurance, but set up a system similar to ACA making it readily available to anyone who wants health insurance.
2. Also, make it mandatory for doctors to have natural healing training and knowledge and ability to CURE people instead of just treating the symptoms and prescribing terrible drugs that create more problems and deadly side effects.
3. Healthy people don’t make money for doctors, hospitals and pharmaceutical companies, but in the long run, healthy people would not miss work as much as unhealthy ones; healthy people would be more productive in the work place then unhealthy ones high on prescription drugs; and production rates and quality and quantity of products would increase dramatically thus improving our economy in more ways than one.
4. Create a pay system for health insurance, mandatory, for all people, employed or not, and all corporations, based on their annual income. If a person earns $1 a year, or $1,000,000 he pays his share, based on a percentage system or other affordable means.
5. The reason most people don’t want to buy health insurance as it stands today, is because of the high cost and the high rates of deductibles. What’s the use of buying insurance if you can’t use it until you pay the $6,000 – $10,000 dollar deductible? Both cost and deductibles have to be adjusted accordingly.
My wife lost her employer insurance when ACA was passed. We bought insurance to comply with ACA but have been unable to make any use of it because of the high deductibles.
These are my observations and recommendations. Thank you.

Hope McCloud on

talking points:
Health Insurance is not Health Care.
(1) As a civilized society we are obligated to provide for the needy. This includes health care for those who cannot (truly) afford it. The federal government should provide Medicaid, via taxpayer dollars, for any who truly need health care and cannot afford it. However, health care does not include everything covered by the typical health insurance plan. Minimum essential health care needs to be carefully defined – vaccinations, cancer screenings, blood pressure checks, blood sugar tests. I also think that the taxpayer should pay for programs to quit smoking, quit drinking, quit drugs, lose weight, with the proviso that the recipient must reimburse the funds if he/she relapses. Congress can argue long and hard about what services should be covered and what should not be covered.
(2) every individual should have the right to buy catastrophic care insurance
(3) every individual should have the right to live uninsured
(4) all policies should be catastrophic care only. From talking point 1 above, if you cannot afford to pay for your own family’s minimum essential health care, you should qualify for Medicaid.
(5) all policies should be individual policies only (why should it matter how large my employer is in determining my insurance premium)
(6) all policies should be available nationwide (why should it matter which state I live in, let alone which city/county, in determining my insurance premium)
(7) since the “risk pool” for the insurance company will then consist of EVERY insured individual, the insurance company should have all the data they need to determine premiums, and pre-existing as well as new conditions will be covered to be paid by ALL who purchase insurance.
(8) all diseases and conditions should be covered – no “well” care should be covered. As in point 1 above, if you cannot afford minimum essential “well” care you should get Medicaid.

David Abe on

I know that Canada’s and Great Britain’s plans may have flaws but why can we not look at how and what they provide to their people and simply tweak it to our liking without reinventing the wheel! At least they have a working plan that has been in place for a while and works. If you want everyone to provided ay in, simply set it up as a payroll deduction like social security and be done with it! give the people with private insurance or employer provided plans a tax credit!

Princess on

Health care is not a given or a right, just like anything in life worth having you MUST earn it! Want insurance then get a job! Want better insurance then get an education! I should not have to pay for all the people who chose to live off the system for generation after generation! Most of the people on the street can afford liquor, drugs and cigarettes, but can’t afford a place to live?? Really? Get a job and pay your taxes just like the rest of us idiots! Then let’s see how you react to the free health care for all!

ObamaCareFacts.com on

A lot of people who can’t afford healthcare are the poor working class who are working for the minimum wage that conservatives fight against raising. So that would be the problem. As for healthcare not being a right, US is the only major country who accepts your logic… and of those in the US who accept it, it is largely only the conservatives. Doesn’t make it right or wrong, but is worth noting.

http://factmyth.com/factoids/the-us-is-the-only-very-highly-developed-country-without-universal-healthcare/

jim sumner on

what would be wrong with a pay raise across the board? raising minimum wage increases the cost of all goods and services. so an increase in minimum wage is essentially a decrease to other wages. at some point there is no incentive for the work force to produce. we all want to make more money. if you are only earning minimum wage then you probably qualify for medicare when buying insurance on the exchange. again, less money in other peoples pockets. if your objective is to have affordable health insurance, increasing the minimum wage is counter productive. a person earning 50000/year who buys health insurance on the exchange at the tune of 9000/year in premiums and 7500/year out of pocket is not doing much better. are they driving a better car or living in a bigger house? probably not. they probably have a student loan or have to buy tools of their trade or pay fees imposed by regulations or liability insurance just so they can work in their occupation. and after all that there are no guarantees for success. there is a narrow margin between the middle class and minimum wage earners and that margin is narrowing all the time. i do not see how raising the minimum wage is going to help you out at all if affordable health care is your objective. it could only hurt your situation. plus like i said before, what little more you would earn would go to the rising cost of goods and services.

Mark on

@Princess
Sure Healthcare is not a right, and anyone that approaches it with that notion is I believe misguided; but like building roads, police departments, sewers, fire departments, electricity… etc, etc.
It would be far more economical and beneficial to the entire population to render healthcare as a civil service where we are all paying in and supporting each other.

August on

Single payer or Medicare for all is the only way to save costs. There are too many middlemen in the current medical insurance/health industry. Medicare is working fine and would only need to be tweaked to include everyone.
Take the swamp; overpaid health corporations, lobbyists, and bought politicians; out of our medical insurance and get serious about doing something for the good of the consumer.

jim sumner on

medicare works fine if you can get medicare. otherwise it is just a higher tax for people who earn too much money. and i always thought you can never earn too much money. health insurance for all sounds great, sign me up. but who is gonna pay for it. and do not tell me that the rich are gonna pay for it. affordable health care is the last thing that rich people have to think about. if i were rich i would just pay as i go. and i damn sure would not want to pay for someone else’s insurance which is what rich people do if they buy health insurance in the current system. rich people are not working for a paycheck so they do not pay FICA. how are you gonna get them to pay into our single payer system? you think things are bad now just wait until the federal government is the single payer for health care. also all this talk about the united states being the only country without free health care cant be right. what about countries in Africa, South America, or the middle east? i know liberal trust fund babies that make that statement constantly. have fun getting them to pay their own medical bills let alone letting go of the death grip they have on all that moldy money to pay into healthcare for all. sure they want the free health care they claim every other country has but they never talk about how it is paid for. they just know it is free. health care is not free.

Mark on

MedicareUS Healthcare plan 1.0

Outlined here is my version of a compromise healthcare plan for the Unites States.

The objective is to provide all citizens with affordable healthcare while preserving a market of healthcare insurance offerings from private insurance companies.

The basics of the plan laid out will use a combination of a form of expanded Medicare-for-all (MedicareUS), HSA accounts, high deductible plans, and additional coverage provided by private insurance.

A) Everyone pays into MedicareUS through payroll deductions or self-employed gross income based on percentage of income, and number of those covered in the household by head-of-household.
1. Raise individual’s MedicareUS tax to 4%. with additional .25% per non-working person in household.
2. Keep employers rate at 1.45%.

B) Everyone receives a Health Saving Account. (do away with the FSA).

C) Everyone will receive High-deductible insurance coverage paid through the single payer of MedicareUS.
This will include at no out of pocket.
1. A yearly physical health wellness visit
2. A yearly mental health wellness visit
3. Vaccinations for children under 18
4. Pre-natal and childbirth care

D) Your yearly deductible is based on a 6 month average of your total gross income.
▪ So say a person makes $35,000 a year, their personal deductible could be $350 for the entire year; and a person making $350,000 could have a deductible of $35,000 a year. This simple sliding deductible does away with a layer of bureaucracy and bean counting that would involve any type of tax credit scheme. (The deductible demonstrated are just examples and the actually viable deductibles would have to be worked out).

E) HSA accounts would be available for all with a larger max-cap than today. These are funded by payroll deductions or through direct payments by individuals. (Individuals below a certain threshold or with disabilities may even get federal money as a kick-starter in some form of a tax credit, or as a replacement of Medicaid).
1. Parents could roll over a (?)% portion of their HSA account to children (under 18) every year.
2. Unused money in an individuals HSA account upon death would be rolled over into MedicareUS.

F) Employers would be able to offer additional coverage plans (business tax deductible) to employees as part of incentive packages with no restriction or penalty to cover the portion of care that fall under their MedicareUS deductible.

Mark Anthony on

Healthcare plan 1.0

Outlined here is my version of a compromise healthcare plan for the Unites States.

The objective is to provide all citizens with affordable healthcare while preserving a market of healthcare insurance offerings from private insurance companies.

The basics of the plan laid out will use a combination of a form of expanded Medicare-for-all (MedicareUS), HSA accounts, high deductible plans, and additional coverage provided by private insurance.

A) Everyone pays into MedicareUS through payroll deductions or self-employed gross income based on percentage of income, and number of those covered in the household by head-of-household.
1. Raise individual’s MedicareUS tax to 4%. with additional .25% per non-working person in household.
2. Keep employers rate at 1.45%.

B) Everyone receives a Health Saving Account. (do away with the FSA).

C) Everyone will receive High-deductible insurance coverage paid through the single payer of MedicareUS.
This will include at no out of pocket.
1. A yearly physical health wellness visit
2. A yearly mental health wellness visit
3. Vaccinations for children under 18
4. Pre-natal and childbirth care

D) Your yearly deductible is based on a 6 month average of your total gross income.
▪ So say a person makes $35,000 a year, their deductible could be $350 for the entire year; and a person making $350,000 could have a deductible of $35,000 a year. This simple sliding deductible does away with a layer of bureaucracy and bean counting that would involve any type of tax credit scheme. (The deductible demonstrated are just examples and the actually viable deductibles would have to be worked out).

E) HSA accounts would be available for all with a larger max-cap than today. These are funded by payroll deductions or through direct payments by individuals. (Individuals below a certain threshold or with disabilities may even get federal money as a kick-starter in some form of a tax credit, or as a replacement of Medicaid).
1. Parents could roll over a (?)% portion of their HSA account to children (under 18) every year.
2. Unused money in an individuals HSA account upon death would be rolled over into MedicareUS.

F) Employers would be able to offer additional coverage plans (business tax deductible) to employees as part of incentive packages with no restriction or penalty to cover the portion of care that fall under their MedicareUS deductible.

ObamaCareFacts.com on

Interesting ideas. One concept would be to cap the deductible for higher incomes or make sure private insurance that could cover those high premiums could be sold.

jim sumner on

in 1994 i was 29 years old. i walked into a blue cross and blue shield insurance agents officej and in less than 20 minutes walked out with an 80/20 plan with a 500 deductible 1500 max out of pocket and my premium was 98/mo. wow!! what the hell happened?

Mark on

@jim sumner
You were 29, single and healthy, if you were older and had any existing condition, your premium would double/triple and you would not get covered for any preexisting conditions.
You also probably had caps on coverage you did not realize.
Plus that 1990 dollar premium would be almost double just through inflation, so today that premium would be like $200 a month, still not horrible.
If for some reason you became ill and unable to pay and coverage lapsed, you would not get that same great rate and become un-covered for what afflicted you.

But on the surface, I agree major medical insurance was way seemingly simpler back 20 years ago. The problem was even then so many would not get that coverage and just walk into an ER when they needed, then those unpaid costs would get passed on to the able and willing to be insured.

Michelle Raponi on

People should NOT be able to opt out! Every first world country has universal healthcare except ours. They make it work by making sure everyone being insured. I don’t think it’s any different than someone being allowed to drive a car with out insurance.

As for fixing Obama care I think we should have a 1% sales tax added in the entire country to help pay for universal healthcare.

I will never forget a conversation I had with a friend who was turning 30. Although it was 25 years ago I remember exactly what she said what I was wearing where we were everything because I was so disturbed by her story. She was excited to be turning 30 because that marked the 10 year anniversary since she had had breast cancer starting at age 19. She had not been able to purchase any health insurance because of her cancer diagnosis. She also only had one breast because she could not afford to get another one at the time.

C A Dazell on

I actually came to your site today due to a bogus notification (something about Trump lowering premiums?) that turned out not to exist (404 error)…. then wondering around trying to find it when I saw the side-banner request for suggestions about improvements to the ACA.

So, for myself, I’m leaning more and more toward a Medicare for All option including supplemental plans for those that can afford them (as Medicare functions today).

My suggestion for your effort? It must include how we get from here to there..!

We don’t want the insurance industry to collapse, we just want to regulate and reduce their influence/percentage of our economy. So, whatever the details are for the end result, there must be a transition plan that’s viable.

Maybe over x years (addressing the most urgent needs first) building on the ACA framework working toward less profit (for the insurance companies) and more value/care/coverage (for everyone in the country)?

I caught a glimpse of a politician yesterday on TV (sorry, do not remember his name) who suggested Medicare for All offerings for any county that had 1 or no coverage options on the ACA for next year and gradually expanding that option across the country. In other words, ending up with ‘base’ coverage for everyone. The insurance industry would have to be competitive for people to supplement (or choose their plans in place of) the base coverage. And everyone would still be required to have base coverage (like Medicare works today).

Remember, the reason we have Medicare today is because the insurance industry didn’t want to cover ‘old people’. Medicare allows supplemental insurance purchased separately (which is the same idea as the ‘catastrophic insurance’) and the insurance companies are fine with taking those payments!

Of course, the devil is always in the details, but wanted to chime in and support your effort. Even just promises of cake are a good thing! 🙂

Thank you!

ObamaCareFacts.com on

Thank you for the kind words and the story.

William Carpenter on

1) Have all hospitals and doctors in each state or city combine into one health network. Create a fund charging each person $100 per month.(example- 3 million people live in Cincinnati. That’s 300 million a month going into the fund for only the people in Cincinnati),
Welfare recipients- government would gladly pay $100 per month for the local fund.
All services and medications are at no additional cost as long as you go to your local facilities.
2) Put everyone on Medicare Advantage and have them pay the same ( around $125 per month ) They may purchase additional coverage if they can afford it.