Rules:
I will not respond to unconstructive feedback or questions.
No political Dogma.
A future plan would be necessary to increase Medicare and Medicaid payments as incentives.
A separate future plan would need to repair wage rate to productivity.
Necessary background information to understand the plan:
Between employee and employer families are paying roughly $10,000 to $25,000 a year and are getting less coverage each year with increasing premiums each year.
Insurance companies are making record-breaking profits.
Administrative services spends roughly 40% of every Healthcare dollar that is spent.
Elimination of billing overhead would significantly reduce cost.
The current system is unsustainable in the long-term.
The plan would allow someone in an emergency to not worry about emergency room coverage as that medical condition would be covered.
This plan does not change Medicare or Medicaid.
You are not able to search for better medical rates in an emergency situation.
Billing coding departments would be significantly reduced therefore less cost.
Prior authorization practices would not exist.
Administrative time wasted on the phone to receive payment from the insurance company would not exist.
Reduced office staff.
Clinics would be able to reduce the rates they charge because they're overhead cost has significantly reduced.
Costs of prescription medications would reduce because of the elimination of PBMs.
Insurance companies are likely to flip to selling chronic condition coverage or catastrophic illness coverage.
General Medical Care would be a direct payment system as it is much more simplistic and cheaper to establish and run.
Individuals or families wanting to hedge risk against a chronic or catastrophic condition would have the opportunity to purchase such a policy. Policies would most likely be much cheaper than the current system.
Cost savings would then be used for whatever the person needed to spend it on or perhaps a protection policy.
The emergency room system is the gatekeeper of establishing if something should be designated as an emergency situation and should be covered.
If a questionable emergency situation needs to contact the emergency room nurse triage line.
If arriving at the emergency room and has not contacted the nurse triage line would then be triaged at the emergency room and shifted to urgent care for that not be an emergency.
If later decided that the urgent situation is actually an emergency would then be covered under the emergency protection.
Pros:
Significantly reduces overall cost
Reduces administrative waste
Eliminates unnecessary complications
Provides emergency care for all citizens
Everyone will be able to see rates for Primary Care and other services around them
Cons:
The insurance industry would have massive layoffs
Retirement funds would take a massive hit if invested in insurance companies
Billionaire class would likely try to prevent
Massive layoffs with billing industry
Increased pressure in the emergency room to designate something as an emergency
Plan:
Phase 1: Legislative and Tax Foundation (Years 1–2)
· Subsidize and Expand Farming in the USA: Reduce costs of healthy and natural foods to be affordable.
· Pass the Emergency Care Act: Establish the Universal Emergency Fund and legally define "emergent condition" using existing EMTALA clinical frameworks.
· Establish the National Nurse Triage Line (1-811): Legislate a federally funded, toll-free medical advisory line staffed by licensed RNs using standardized clinical triage protocols (e.g., Schmitt-Thompson protocols).
· Enact the Federal Emergency Payroll Tax: Implement the 6% to 8% payroll tax to fund both the emergency care pool and the 1-811 infrastructure.
· Create Regional Fee Schedules: Set fixed government reimbursement rates for emergency services based on Medicare Diagnosis-Related Groups (DRGs).
· Mandate Price Transparency: Require all providers to publish binding cash prices for routine, non-emergent care online.
Phase 2: Insurance Deconstruction and Re-Regulation (Year 3)
· Wind Down Comprehensive Insurance: Ban the sale of traditional, employer-sponsored comprehensive health insurance plans.
· Launch the Catastrophic Add-On Market: Introduce regulated "Catastrophic & Chronic Care" insurance riders with a national reinsurance backstop for pre-existing conditions.
· Ban PBM Rebates: Eliminate Pharmacy Benefit Manager (PBM) hidden rebate structures to force direct-to-consumer cash pricing on pharmaceuticals.
· Build 1-811 Infrastructure: Hire and onboard thousands of remote RNs. Integrate the triage line with local EMS dispatch systems and a directory of transparent, direct-pay urgent care and primary care clinics.
Phase 3: Systemic Transition and Hospital Restructuring (Year 4)
· Launch 1-811 Public Campaign: Run a massive national public service campaign ("Call 811 Before You Go") to educate citizens on using the nurse line to avoid out-of-pocket ED bills.
· Liquidate Billing Overhead: Hospitals dismantle insurance-negotiation departments and shift resources to direct financial counseling for non-emergent walk-ins.
· Open the Direct Primary Care (DPC) Market: Standardize state licensing to allow primary care doctors to easily transition to cash-pay, monthly subscription models.
· Activate ED Triage and Safe Harbors: Implement the new ED gatekeeping workflows. Pass legal protections shielding ED doctors from liability when they deny emergency classification to a patient based on standard medical guidelines.
Phase 4: Full Deployment and Optimization (Year 5)
· Go-Live: The Universal Emergency Fund becomes the sole payer for emergency room visits nationwide.
· Implement the 1-811 Accountability Loop:
o If 1-811 directs a patient to the ED, the visit is automatically fast-tracked for Universal Fund approval, reducing the hospital's administrative audit burden.
o If a patient bypasses 1-811 for a non-emergent issue, they are greeted at the ED triage desk with a choice: proceed and risk a personal cash bill, or use an on-site 1-811 kiosk to redirect to an affordable direct-pay clinic.
· Evaluate Behavioral Trends: Deploy federal auditors to monitor hospital compliance with cash pricing and assess ED utilization rates to continuously optimize nurse staffing levels on the 1-811 line.