In order to achieve health care that works for all and avoid a financial and health disaster, lawmakers should roll up their sleeves and get it right.
Republicans, stop trying to repel the Affordable Care Act aka Obamacare; Democrats, stop pretending it is perfect. Americans will not accept single-payer as we want choice, options, competition and quality.
A simple solution would be to utilize Medicare, an 80/20 program, as the base plan for all. This could be accomplished with a simple and affordable payroll deduction or by tax return, say 5% of income with a $200,000 cap. The 20% not covered by Medicare could then be picked up with a supplemental policy by a private insurer tailoring policies to individuals’ wants and needs. For low-income Americans, the supplement would be Medicaid aka Medi-Cal in California.
Get rid of expensive exchanges and turn Medicare into a true insurance plan as opposed to a losing proposition covering only the elderly and disabled. Control health care costs, including prescription drug prices, while retaining high quality care, affordable co-pays, and start working on long-term care solutions as opposed to bankrupting older Americans.