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On health insurance â € "how to cover all

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Keywords: health insurance, health savings accounts, universal coverage, health care, disease prevention
 © Copyright 2007 Arthur Levine
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There is now an important part of the population United States, who are dissatisfied with your care or health care coverage for his absence. There are about 46 million policyholders in the United States.

Expenditure Health in the United States continue to rise, and in most health insurance premiums year too.

prevention spending diseases as a percentage of GDP is now about 16% of the budget while only 4% goes to prevention of the disease while 50% of diseases are preventable.

Republicans and favor large insurance plan private medical savings accounts called (HSA) to solve the problem of care health. An overview of this program is that it allows companies or individuals to pay a certain sum of money from a tax-free HSA (health savings account) and take a major disaster or medical insurance for the balance. Part Fortunately, encourages people to take awareness of the disease, because it is out of your pocket or HSA in force. In large enterprises where the program has implemented the savings were considerable. The disadvantage is that it tends to attract young, healthy, and does little to help the aging, disease or experience a part of the population.

Democrats are in favor of large and some form of universal health care financed by the federal government. The good news is that everyone covered. The disadvantage is that there is no incentive for individuals to practice disease prevention because the government pays the bill and could lead to massive new federally funded program that over time can not be adequately funded by government as it grows in light of the requirements of our problems, like other rights, Medicare, Medicaid and drug prescription.

Today, we are at the crossroads of the escalating costs of health care and health care financing needs that have led us to the point of collision.

The solution may be in any combination of these two programs that use Platform of health savings accounts, which are funded by federal funds to subsidize the extent necessary so that all can be covered, including those with pre-existing conditions or through a series of federal tax credits, person or entity, or contributions in his name to fund the program.

The financing costs of this combined approach may be significantly lower than that of a universal health care right because people would encouraged to practice prevention of diseases once they understand that their money is spent on health care, which can be transferred from year to year as the IRA, and because catastrophe insurance is usually cheaper than the current program of all-inclusive type small deductible insurance offered.

To this end, a program of prevention of disease should be available in the world to help better AA health, and minimize health care costs in line with good clinical practice and use the best options for care.

We have to teach people to practice disease prevention at the same time we try to cover health insurance, if we produce a program that ultimately may be self-financing through cost savings on health care.
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