One Percent Health Care Solution

One Percent Health Care Solution

Solving The Health Care Crisis Today

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One Percent Health Care Solution

The United States needs a health care solution that is fiscally responsible and universal while minimally disruptive of the current way our doctors practice medicine. We can do this immediately and without adding another huge fiscal weight to a system whose cost is already grossly out of proportion to any comparable system. Here is the one percent health care solution.

First, we redefine the definition of who and what is a health care provider. Instead of just doctors and hospitals we extend the provider definition to include any person or entity that receives, handles, distributes, or administers health care funds.

Second, we pass legislation requiring each provider to deposit one percent of their gross revenues into a universal health care fund. Revenues not profits. Finally, these funds will then be used (solely) to cover any health care administered to any citizen who requires medical care but lacks insurance.

By making these changes we will use the funds currently available and stretch them over the entire populace thereby eliminating the existence of an uninsured patient pool. The administration of  these funds would follow administrative pathways similar to those used by Medicaid. It is recommended that Medicare reimbursement levels be used without co-pays for this group of patients.

This would solve the immediate problem of our uninsured citizens and simultaneously reduce the total cost of our national health care by around 20%.  All provider fees would be tax deductible at the federal and state levels, lowering each provider’s tax burden.

Many of the uninsured require little care because of their youth (see FAQ #9). Working uninsured could probably also pay 1% of salary into the plan, primarily as a matter of fairness. Small business employers should be left alone to create jobs. Creating jobs is the real job of small businesses.

The total funds made available would be at least 3% of the current pool, probably more, and should be adequate (see FAQ #9). With this approach there would no need for anyone to change their doctor or their health plan. The plan would be a blessing to most of the nation’s hospitals. Every health care worker would be asked to work 1% harder to help us achieve this goal. If they are unwilling to do this then they should go and work on Wall Street.

It should be noted that this plan does not involve any new government moneys (State or Federal). It does not require any new regulations or regulators to further burden an already over-burdened profession. It does not create a new government run insurance corporation because it is not insurance. It is a fund that only pays for medical care already administered and only covers care given to Americans ages 18 - 65 who lack  regular health insurance but get ill or injured.

The more general questions people usually ask are answered in the FAQ section. There you may find some interesting data on countries, capital, and  ourselves when we consumers become patients.

The entire plan and its updates, can be found here at