A Dozen Thoughts for an American Health Insurance Plan

1. The only people that do not need insurance are already dead.

2. The most expensive health care services are those that were skipped in the first place

3. Fixing prices is guaranteed to cost more in the end

4. Your doctor cannot keep track of everything all on his/her own

5. Cutting insurance premiums does not magically reduce the cost of the health care it covers

6. Still more health services are required to bring down the total cost of health care spending, so long as they are provided to the right people at the right time

7. If health care providers do not pay attention to what happens to the patients after they leave the office or the hospital, they are hoping someone else will pick up the pieces when something bad happens.

8. If we do not track the quality of care people are getting versus the health care they should receive, we have no idea if they actually get what they need.

9. Limiting health insurance to only medical treatments is going to cost a whole lot more than spending money on what people really need that stands in their way of a better health status

10. We do not need to ration care to everyone to reduce costs. Instead, we would have money to spare if only the minority of people who need healthcare the very most get exactly what they need at the right time and the right place of care. 

11. If you think health care insurance should just be about the premiums and claims payment, you are living in another century where stones are cutting edge technology. 

12. Whoever will provide the future insurance to all Americans will need attend to items 1 through 11.