Health care would be much more affordable if the plans featured high deductibles. Routine medical visits, medications, and procedures should be covered with a high deductible plan. Thanks to my friend Bloviating Zeppelin for that insight. Point well taken. Couple that with an HSA that is set up by employees and you have a combination that will lower medical plan costs considerably.
There probably should be a cap on the amount in the HSA to protect the employees paycheck. Once the HSA is exhausted the plan kicks in. If the HSA isn't exhausted it should roll over to the next year. The businesses and government agencies that are burdened with providing health care are collapsing under the burden. Some of these fixes are in my estimation common sense.
As for Medicare, the funding is drying up and it is on track to be bankrupt. The government is incapable of running anything without bankrupting it. How about finding that $500 million in fraud the Dems say is there, but have done nothing to find until it now is magically going to be used to fund their health care plan? My experience is that if someone is willing to admit to something, it is really a lot worse than the person admits. If they are hawking $500 million, I'll bet it's half again higher than that. Medicare is a swamp that needs to be drained. Common sense reform will go a long way toward making health care more affordable for everyone. Medicaid? Oh well.
What's next. How about cleaning up the IRS quagmire with a Fair Tax?