Moreover, the prevalence of third-party payers means there is effectively no market for individual health insurance polices, thus those whose employers cannot offer them health benefits must either pay exorbitant fees for health insurance or do without health insurance. Since most health care providers cater to those with health insurance, it is very difficult for the uninsured to find health care that meets their needs at an affordable price. The result is many of the uninsured turn to government-funded health care systems, or use their local emergency room as their primary care physician. The result of this is declining health for the uninsured and increased burden on taxpayer-financed health care system.

Returning power over health care to the individual is the key to true health care reform.

The following are bills Congress should pass to reduce health care costs and leave more money in the pockets of families:

HR 3075 provides truly comprehensive health care reform by allowing families to claim a tax credit for the rising cost of health insurance premiums. With many families now spending close to $1000 or even more for their monthly premiums, they need real tax relief – including a dollar-for-dollar credit for every cent they spend on health care premiums – to make medical care more affordable.

HR 3076 is specifically designed to address the medical malpractice crisis that threatens to drive thousands of American doctors – especially obstetricians – out of business. The bill provides a dollar-for-dollar tax credit that permits consumers to purchase “negative outcomes” insurance prior to undergoing surgery or other serious medical treatments. Negative outcomes insurance is a novel approach that guarantees those harmed receive fair compensation, while reducing the burden of costly malpractice litigation on the health care system. Patients receive this insurance payout without having to endure lengthy lawsuits, and without having to give away a large portion of their award to a trial lawyer. This also drastically reduces the costs imposed on physicians and hospitals by malpractice litigation. Under HR 3076, individuals can purchase negative outcomes insurance at essentially no cost.

HR 3077 makes it more affordable for parents to provide health care for their children. It creates a $500 per child tax credit for medical expenses and prescription drugs that are not reimbursed by insurance. It also creates a $3,000 tax credit for dependent children with terminal illnesses, cancer, or disabilities. Parents who are struggling to pay for their children’s medical care, especially when those children have serious health problems or special needs, need every extra dollar.

HR 3078 is commonsense, compassionate legislation for those suffering from cancer or other terminal illnesses. The sad reality is that many patients battling serious illnesses will never collect Social Security benefits – yet they continue to pay into the Social Security system. When facing a medical crisis, those patients need every extra dollar to pay for medical care, travel, and family matters. HR 3078 waives the employee portion of Social Security payroll taxes (or self-employment taxes) for individuals with documented serious illnesses or cancer. It also suspends Social Security taxes for primary caregivers with a sick spouse or child. There is no justification or excuse for collecting Social Security taxes from sick individuals who literally are fighting for their lives.

Healthcare in America is a privilege and a multi-trillion dollar industry, just benefiting the ultra wealthy insurance companies. Here is an very ominous example of our so called medical care. Professor and surgeon Dr. Richard Foster of Indiana University medical center operated on a cancerous kidney, that was partially successfully removed. After she was operated on my relative found herself in incessant chronic pain and has been on the strongest of pain killers since then. After many procedures nothing yet has eliminated the awful pain she endures every day. The surgeon in question severed the intercostial nerves under her rib cage.

As with many states physicians are never held accountable for damage done to the human body. Its hard to prove medical malpractice even if you can afford the attorney fees. She is now appealing Federal disability, because two pain doctors say she can never work again. Since than she spends more time fighting with her California state-backed insurance company, for her pain medication to elevate the awful pain.

These insurers have denied her over and over again, and forced her into federally mandated emergency room. This is an outrageous travesty of what we have a nerve to call health care. Health care in most European civilized countries has been exceptional, but since the advent of unparalleled immigration, a once Universal health care, single payer system has rapidly gone downhill. Yet If I had a chance at being a member of Canada’s, France, United Kingdom method of delivery, I would grab it happily with both hands any day.

In America it’s run for profit, that is monopolized by giant wealthy insurance companies, who deceives the American people with copays, premiums and and almost impossible referrals, once the doctor has seen you. Of course the–BIG ONE–is pre-existing condition clauses, and small print in documents that you need a magnifying glass to read, if at all. Time this superpower called the United States accommodated it’s citizens with a single payer system for all and not just the high income families.

Did America elect a monarch? … A President is still needed.

http://pacificgatepost.blogspot.com/2009/06/does-america-yearn-for-monarch.html