Ohioans care for each other

Creative Solutions Made Simple
Eric R. Forbriger, P.E
513-272-6622

A plan for the uninsured and those who are willing to ask for help

As Jesus reportedly said, "the poor you will always have with you".

Health treatment and care is expensive. Excellent care is even more expensive, but in many cases it is priceless, kind of like life. No matter what system is adopted, the employed, able, and the rich will pay for the health care costs of those who are unable.

They do not have to be forced.

If we are able to protect our economic and political system (The U.S. Constitution) that has resulted in the most technologically advanced, ecologically considerate, and free people in the history of life on earth, then we will also continue to have rich people, lots of them; and under this meritocracy that we maintain, most of these people will be counted among the finest individuals to walk the earth.

Our constitution, and the evolution of our values and beliefs, has resulted in the world's most charitable humans.

At present, in our country, no person is ever denied needed care, but it is often inefficiently provided under the present system.

Everyone has a pre-existing medical condition of some kind.And our technological advancement has, out of necessity, produced the internet.

Social networking (used to be called communication) has evolved to a previously unimaginable level of efficiency and ease of use, the needs of our fellow man can now be individually communicated in great detail to vast numbers of people of all levels of income, knowledge, and passion to be helpful.

This leads me to propose a method to deliver the means of solving health care dilemmas within the ideals of limited government which have peacefully revolutionized the world. This method includes a highly secure internet based communication network along the models of Facebook, MySpace, Linkedin, etc.as follows:

· Every person may create an individual medical savings account (MSA) that can grow through simple interest , dividends, and capital gains, all tax free.

· Each family with a gross income below $100,000 per year will receive a tax credit or rebate up to 6,000.00 per year adjusted to income and numberof dependents on a sliding scale that must be spent on a health insurance policy with certain minimum coverage requirements, but the choice of plans will be the individual’s own. The policy must cover catastrophic medical costs, maternity, and diagnostic tests with small co-pay to encourage early intervention, especially for individuals with a genetic predisposition to severe illness.

· This MSA may only be spent on legitimate medical expenses, insurance coverage, safe and medically effective pharmaceuticals, treatments and therapies that are prescribed by licensed medical professionals.

· Every person may make tax deductible charitable donations to their own or any one else's MSA in any amount.

· Private for-profit health insurance companies or non-profit co-ops may continue to deny coverage for treatment of pre-existing conditions, but not genetic pre-dispositions . This will result in the most economical insurance premiums for everyone in a very fair way.

· Offspring of individuals will be automatically covered by the mother’s insurance policy, including any maladies evident at birth or found later in life to be latent at birth.

· The luck of the draw cannot be legislated away.

· Money in MSA accounts may be spent on medical care for these un-insured conditions at the choice of the individual account holder, trustee, or guardian.

· Money in the MSA may be used to pay premiums on any level of insurance policy desired by the account holder.

· Every individual that is accepting donations must allow the donors to view his/her medical history and expense receipts anonymously.

· In the account "home page", totally anonymous individuals may present the life conditions that they face, along with appropriate evidence, so that donors may feel confident that they are not being scammed and their money is not better spent elsewhere.

· Charitable donations may be published with or without donor identification on the program home page in order to recognize donors and build momentum for donations.

· At an individual's passing from life, the charitable donations from persons beyond his immediate family and the accrued interest and gain on those donations that remain unspent in his HSA after reasonable funeral expenses become the property of a fund that the government may use only to initialize, fund, and manage MSA's for helpless people.


* This plan is dedicated to the memory of the Honorable Jack Kemp.

Insurance assistance

Point # 9

The government shall provide cash grant to all families with AGI below 100,000.00 on a sliding scale up to a maximum of $6,000.00 per year which can only be used to purchase a low co-pay primary care policy that includes diagnostics and some form of catastrophic coverage.

Point # 6

6. (Clarification) Information need only be provided to public concerning un-insured conditions

my plan for the uninsured and those willing to ask for help

As Jesus reportedly said, "the poor you will always have with you".

Health treatment and care is expensive. Excellent care is even more expensive, but in many cases it is priceless, kind of like life. No matter what system is adopted, the employed and able and the rich will pay for the health care costs for those who are unable.

They do not have to be forced.

If we are able to protect the system that has resulted in the most technologically advanced, ecologically considerate, and free people in the history of life on earth, then we will also continue to have rich people, lots of 'em, and under this meritocracy we have, most of these people will be the finest individuals to walk the earth.

Our system and evolution of our values and beliefs has resulted in the world's most charitable humans.

At present, in our country, no person is ever denied needed care, but it is often inefficiently provided under our economic system.

Everyone has a pre-existing medical condition of some kind.

And of course, thanks to Al Gore, we have the Interwebs. Social networking (used to be called communication) has evolved to a previously unimaginable level of efficiency and ease of use, The needs of our fellow man can be communicated in great detail to vast numbers of people of all levels of income, knowledge, and passion to be helpful.

This leads me to propose a method to deliver the means of solving health care dilemmas in a way that fits the ideals of limited government that have peacefully revolutionized the world. This method includes a highly secure, Internet based, communication network along the models of Facebook, MySpace, Linkedin, etc.

1. Every person may create an individual health savings investment account (HSIA) that can grow through interest and capital gains tax free. This money may only be spent on legitimate medical expenses, safe and medically effective pharmacueticals, treatments and therapies prescribed by doctors.
   
2. Every person may make tax deductible charitable donations to their own or any one else's HSIA in any amount.
3. Private for profit health insurance companies may continue to deny coverage for treatment of pre-existing conditions. This will result in the most economical insurance premiums for everyone in a very fair way. The luck of the draw cannot be legislated away.
4. Money in HSIA accounts may be spent on medical care for these un-insured conditions at the choice of the individual.
5. Money in the HSIA may be used to pay premiums on any level of insurance policy desired.
6. Every individual that is accepting donations must allow the donors to view his/her medical history and expense receipts.
7. Within the individuals "page", individuals may present the life conditions that they face and with which they deal, along with appropriate evidence, so that donors may feel confident that they are not being scammed and their money is not better spent elsewhere.
8. At an individual's passing from life, the charitable donations and the accrued interest and gain on those donations that remain in his/her's HSIA after reasonable funeral expenses become the property of a fund that the government uses to initialize and manage HSIA's for helpless people.

This plan is dedicated to the memory of the Honorable Jack Kemp.

It is my hope that persons more intelligent than myself will criticize at will so that together we can maybe make it work.

Regards,

Eric R. Forbriger, P.E.