Guaranteed issue high-deductible health insurance for all. You pay a premium unless you can't (a la medicaid - income limitations maybe higher, maybe lower, dunno).
When you go to the doc, you pay the insaurance company negotiated rate.
Maybe throw basic preventative care in there with a copay.
I'm not happy about the current system, but feel it would be pretty fair if everyone paid the negotiated rates that insurance companies. Indigent folks could pay for a $5000 triple bypass surgery much easier than they could pay for a $30000 triple bypass surgery.
When you go to the doc, you pay the insaurance company negotiated rate.
Maybe throw basic preventative care in there with a copay.
I'm not happy about the current system, but feel it would be pretty fair if everyone paid the negotiated rates that insurance companies. Indigent folks could pay for a $5000 triple bypass surgery much easier than they could pay for a $30000 triple bypass surgery.