Michael Stephen Levinson for Congress then President of United States!
Medical Coverage for 45 Million people Without Insurance
Michael Stephen Levinson
There are close to 45 million people in America without health insurance, not 41 million. More. My innovative program covers everyone, my “policy,” rivaling the best of insurance available to the richest amongst us, the bluest of chippers. Here is a way we can provide coverage for the uninsured, the cost much less than you imagine.
First, we need to cancel Bush's tax cuts that exclusively benefit his supporters, returning our wealthiest class to where they belong, in their own tax bracket, instead of crowding us. Access to health care for 45 million people is at the stake.
Reversing Bush's tax cut policy heists all our cable TV's blabberific non-stop talking heads; all of Wall Street's svelte gentry, most of our practicing lawyers, doctors, and dentists, Members of Congress, lobbyists, and bureaucrats, all of the above, dyed in the lower echelons of the cashmere rich.
This is a major hurdle, removing Bush's tax cut for his up your's class. To accomplish this, we likely need to vote out of office the whole House of Representatives. They are all millionaires, many there to protect and increase their own private holdings, not to protect constitutional freedoms.
I am an independent candidate for House of Representatives, planing upon election to declare for president. My Health care program, creatively written here does not involve insurance companies or any government bureaucracy. That in itself is a winning concept!
Our economy, as heartbeat, is not healthy; the dollar, weakened by the Federal Reserve has been dumpster driven for months, and could, heaven for bid, be devalued. Yet the stock market has doubled since 2008, but there aren't any jobs. One prob limb, the steady roll of those who lost their health care insurance when the giant recession cost them their jobs.
Here it is! MyLoose Penny Program, presented here, a capital injection that shall, by fixing our health care, instantly begin to repair our economic muscle, but to create actual jobs, mission critical diplomacy on the part of the president is required.
President Obama needs to get off his fly around post campaign trail and summon all our fast foods, supermarket; Target and Walmart, chain drug store CEO's to the White House to ink this Lev proposed infusion solution for our e con oh me.
There is only one impediment to this proposal. It is work of Michael Stephen Levinson, and personally, because I was a candidate for president 2012 and am running for congress today and then, in the well of the House, plan to declare for president 2016 I have an expressed stake in the political process.
Were Obama's advisors only willing to set the issue of my own politics aside we, the people would see immediate progress and health care for all without government or insurance company bureaucracies in the mix!
Obama can meet with KFC and all the rest of the chains. Your loose pocket change, the pennies in your pocket will make the critical health care diff rinse. Your loose pennies are going to jump start universal health care in USA!
Every chain must participate in my Loose Pennies Program, regardless the size of their enterprise. Sew to my purpose / plan, clearly stated:
We want to have a voluntary gratuity tip for the lower echelon help, an additional two-cents in the cash registers of all the many thousands of fast food and supermarket chain locations nationwide, everywhere we fast food eat and shop. For every item registered over the counter we want two pennies extra, added as patriotic gratuity from us, the customers, a tip for the lower echelon help.
This proposal is not for any government mandate. Anyone can refuse to pay the voluntary two cents gratuity. Burger, fries and a drink totals six extra cents, pennies off the pavement. Regardless what we purchase at the supermarket; we are only pitching in some loose change out of pocket. 15 items at the supermarket could easily add up to $45. Does another 30 cents tip inhibit your's or anyone else's generosity?
This is optional, secretly the first step toward unionizing the low end burger flippers, cashiers and baggers: A worker chosen by the workers to represent them can be the person to meet with the managers, to approve the total pennies for everything out the door the week before, overseeing the dividing of that total by everyone's hours worked. That is optional, insuring honesty by all parties.
Then we include minimum $1 dollar extra for every hour into a Medical Assurance Savings Account. Down the road, after we are up and running, we can include an additional $5 deduct whenever you use your Medical Assurance debit / savings card, earmarked for a Medical Malpractice Pool which Dr.'s will certainly join, lowering their costs of practicing medicine by matching your $5 deduct.
Employers do not have to match the voluntary pennies, we, the shoppers give to the help. In fact management gets one penny for every two hundred pennies coming in, to manage the distibution of the voluntary gratuities, so a store's sticker prices won't rise from this worker health care program.
The chains are not getting squeezed from tabulating our Medical Assurance Account pay raise based on the voluntary gratuity tips of we, the people. With one penny out of every two hundred going to management, managing the incoming for the workers, through the register, at the worst case scenario is a plus minus management spreadsheet wash!
The worker's pay increase doesn't come out of management's pocket, but work place production will increase. When someone quits, the crew might ask the boss to leave them to pick up the slack, so they earn more gratuity money!
The overage, beyond the $1 dollar hourly extra going to interest bearing Medical Assurance Savings Accounts with the worker's name on his or her portion can go into the paycheck. Two extra dollars an hour in a forty hour week, half going to Medical Assurance Accounts, is more than $4000 a year total. There are other possibilities. The worker can have all the gratuity to go into his or her Medical Assurance Account as the worket can use their Med Assurance debit card for their mother, father, sister, brother significant other, as the prime issue here is universal Health Care.
Close to 12 million of the uninsured people will have medical care access guaranteed. The medical savings account, as a health care solution beats health insurance! Counting others, mom, dad, etc., 25 million people will have Medical Assurance upon their personal need to see a Dr.
Insurance companies are dedicated to making money, not protecting the sick from financial disaster. When an insurance company cancels your policy because you have an expensive disease, they don't refund your premium. But with a Health Assurance Savings Account, when you quit or get fired from the job, your Medical Savings Account goes with you!
After a year behind the fast food counter, a 40-hour per week worker could have more than two grand in their Health Assurance account. Twelve million uninsured people at the bottom of our economic food chain might not have health care insurance but all would carry Health Care Assurance. In the event someone does not feel feel well, they have access to medical care, and a second opinion, because the money to pay is there! When it's your money, unneeded procedures evaporate.
As noted above, the Health Assurance account holder can use his or her account for their parents, spouse and or offspring.
Other companies, besides the fast food chains could have the "public Lev option" of creating Medical Savings Accounts, in lieu of providing an insurance policy for their workers. A sensible choice solution eliminates the insurance company monopolies! We want that! A worker could opt out of his company's insurance policy. The employer's end would go into his paycheck, a raise in take home pay. The half the worker was paying would still be withheld, and go into the worker's Medical Assurance Savings Account. A win win deal.
Is there any government bureaucracy involved in my program? Is my proposal twenty-seven hundred pages of unreadable language? It is not!
This two cents program works for the medical professional, too. You agree to the fee, the doctor swipes your Medical Assurance card and the money is debited from your Health Assurance account. The Dr.'s cost layer represented by his required compliance with the insurance company bureaucrat is out of the mix. The doctor or dentist can charge less for an office visit as he or she is collecting straight up cash from the patient.
This proposed over-the-counter voluntary two-cent gratuity doesn't bash government. These out of pocket pennies go to the working not so rich, without intrusion. Government bureau's are by-passed, except to investigate anonymous complaints about businesses that may be cheating their workers out of a slice of their pennies.
In all dry cleaners add one nickel to every shirt pressed, a dime for every dry cleaned piece. In all the family operated dry cleaners, Medical Savings Accounts will replace the family worker's share of their family's health insurance, besides the pressers and laundry folders having Medical Assurance Savings Accounts, the debit cards in their pockets.
This 2 cents extra covers 90% of all the minimum and lower wage jobs in USA, juicing our economic recovery by pumping the bottom of our economic chain, enriching the people most likely to purchase goods with their money! The fresh dollars these people spend will create jobs.Those in low echelon hourly jobs, working 40 hours a week will have more money in his or her pay envelope, the diff rinse between scraping by and getting ahead.
Millions of uninsured not so rich people building Medical Assurance Accounts will directly benefit from this voluntary deal. We will all have skin in the game and gain from tipping our pennies to working folks, as these millions of uninsured won't be crowding emergency clinics for care, which we all pay for, a tremendous savings for the taxpayer!
Emergency health care cost is infected by the actuarial projections of how many uninsured people might use an emergency room walk-in for care during the course of any year.
Working people in min-wage jobs with Health Assurance Accounts pay for their access on a need-to-be seen basis. In addition to medical savings accounts, the two cents gratis could end up securing a million mortgages near default, a contribution to neighborhood health as deserted house disease is a cancer that devalues the whole residential artery.
For the rest of our uncovered citizenry, doctors and dentists must be allowed the volunteer opportunity to do tax deductible charity, treating them. A charity patient is anyone without insurance. The plan: doctors do $50,000 in charitable medical services and deduct the $50,000 off the top of their federal tax. Then, after all their deductions, the doctors and dentists take an additional half off their bottom line; twenty-five thousand or half, whichever is greater. The Dr.'s and dentists goal:Freedom of Income Tax! Dr.'s and dentists will have signs in the window. Walk ins welcome. No insurance? We are here.
Medical professionals, working overtime could perform $100,000 in charity and deduct $50,000 off their bottom line tax, and because they only owed $49,000 in taxes, earn a one thousand dollar income tax credit. This health care approach cost effectively makes sense because everyone will have access to health care. The government loss of medical person's tax dollars is off set by Emergency Rooms being available only for emergencies.
Doctors won't be at the mercy of an insurance companies', take it or leave payment for services rendered. People suffering from unaffordable premiums, with pre-assurance from their physicians, will begin to cancel their overpriced insurance policies, as the Dr. would have the option to treat them as "charity."
Every doctor will have a waiting list of patients waiting to be classified as charity. Doctors will have more patients, their work incentive as above: Freedom of Income Tax.
Isn't this one-line change in our tax code, relative to charity work by medical professionals easier to digest than a thousand page med-reform stick-it-to-us vaccination, unread even by its authors, our congress? Would insurance company's shills show up at town hall meetings screaming, "It's a communist plot! Down with their two cents for medical savings accounts?"
As already stated above, every doctor and dentist will have a sign on the door: "No insurance? I'm here."
These ideas will enrich our economy from the bottom up, possibly save a million mortgages, and insure access to health care services for many, if not all the millions of uninsured people, whilst leaving rip off insurance companies out of the mix.
Here is the long term major element for lasting success: We deduct / earmark $5 a week from the Medical Assurance Accounts and put that into a Catastrophic Illness Pool. The Medical Assurance debit card covers access to Dr.’s and dentists to diagnose and begin treatment, but anything beyond the Dr.'s office, for example, six weeks of physical therapy to repair ligamnet damage is catastrophic.
12 million workers will be getting the voluntary gratuity, the loose pennies out of all our pockets so we all have skin in the game, X $5 per week for the Catastrophic Illness pool is 60 million dollars X 52 weeks = more than three billion dollars, year in and year out going into the Catastrophic Illness Pool. After six weeks people with preexisting conditions may be invited to join the pool, but for more than $5 a week, —say what the insurance company is currently charging them a month, but without deductables.
We are building a free market medical cooperative from the bottom up. For example. You need hip replacements. Your Dr.reccomends a surgeon at the local “horse pistol. The total including recovery is $81 thousand dollars. The Catastrophic illness Pool has a deal with a hospital in Dublin, Ireland. All the Surgeons were trained at Harvard. First class plane fare round trip including three days in Paris at the end of the hospital recuperation is $11,500.00
That is an example of allowing true competition in the marketplace. Rich folks with super expensive policies likely prefer the surgeon they golf with at the country club.
Here is another example of the $5 a week from the Medical Assurance Savings Accounts going into a Catastrophic Coverage Fund. You are working for five years at Burger King. You are an assistant manager. You started out flipping burgers and stayed with your Medical Assurance Savings. You have kidney failure, need dialysis while waiting for a kidney transplant. That is catastrophic.
The catastrophic Coverage Fund is in-house self-insurance on our Medical Savings Account, not to be invested with AIG or Goldman Sachs swaps.
The long-term solution to our health care prob limb is free medical education for doctors, dentists, and all related personal, our goal one hundred thousand doctors graduated every year until we have one family doctor for every thousand people. A national marijuana tax could fund this program, as could a three per cent reduction in military expenditures. Politishinz are good at identifying issues but fold their intestinal fortitude as those who finance their campaigns govern all of their solutions.
In that light, the above proposed change in our tax code, encouraging doctors and dentists to treat the uninsured as a deductible charity, could not pass either House of our current congress absent a million person public outcry first.
Robert J. Samuelson, Monday, September 14, 2009, The Washington Post:
"Americans generally want three things from their health-care system. First, they think that everyone has a moral right to needed care; that suggests universal insurance. Second, they want choice; they want to select their doctors -- and want doctors to determine treatment. Finally, people want costs controlled; health care shouldn't consume all private compensation or taxes."
The above Loose Penny Solution covers all of these issues. On Sixty Minutes, September 13, 2009 president Obama repeated, "All Americans will be required to have insurance, but those who can't afford it will get subsidies." Health Assurance Savings accounts are a much better more cost effective idea than government subsidy.
Obama's Democratic Party plan: Subsidizing an insurance policy creates a whole new layer of bureaucracy which is unaffordable and unnecessary.
I am the unknown poet, a long-time candidate for president, roasting in the sun.
Once upon a time our Fourth Estate was independent, standing watch, reporting true. Today's corporate approach to politics locks out the unknowns who seek public office, a primary reason there aren't any candidates. You announce, "I'm a candidate." The editor's don't ask, "What are your ideas?" But, "Show us twenty million dollars." And without access to buckets of ducats, the access to broadcast speech, to present their platforms is also blocked. Blog in the bog, dog.
We need to renew our politics, starting with the reestablishment of our First Amendment Right to televised political speech. Upon this essay, I requested e quill time of our television networks, to give my independents' response to president Obama's health care speech to the congress, which was broadcast by the networks and cable networks aired live, September 9, 2009.
I prepared my petition for the federal district court, as a candidate for president, petitioning with an "as applied" challenge, challenging an unconstitutional Act of Congress. The issue of my First Amendment Right to speak went to the Supreme Court where my "Right of Review" was rejected by Roberts, Alito, Thomas and a couple three others. The Supreme Coats are the Supremadonnas and in refusing my case they violated an Act of Congress that guaranteed my "right of review." This cost a bunch of money. I do not personally need, to proceed, dough nations behind me. I need to be elected a member of the House of Representatives so as a Member I can testify to the Judiciary committee.
An after thought.
This whole prograam happens with a couple one-line changes in the tax code, via Executive Order immediately by the President, as opposed to a lobby ridden sucker driven complicated Act of Congress, though any president's Executive Hors D'oeuvre, fringing the tax code, ought to require Congress's ratification, separation of powers and all of that.
Florida doctors will work a full day on Wednesday, instead of going golfing, and a half day every Saturday, with only three weeks in the Bahamas every year, instead of five. All our medical doctors will want to voluntarily participate, especially baby boomer Dr.'s, who are seeking to put aside as much as they can for their own retirements.
The working poor, instead of crowding the emergency rooms, accruing debt they cannot satisfy without a credit killing bankruptcy, will have a doctor to treat their families, on a regular basis. Seeing as we are paying for the hospitals' unpaid emergency room services, in the form of ever higher insurance rates, reflecting the hospitals' skyrocketing cost of horse pistol care, all the parties involved will benefit from our doctors and dentists charitable deeds.
Then the government can ask these working poor who are jobless, can't get Medicaid and fall through the cracks, would it be OK for Uncle Sam to collect a voluntary five or ten bucks a week from their gross pay after they get back to work, not to be refunded, or tax deducted, to pay the government back, so the poor can establish credit as bill payers, with a bill paying record, qualified to purchase a decent running pre-owned car?
To determine the actual full cost of this innovative program, start with the incentive: taxes forgiven from medical deliverers, the doctors and dentists whose goal with my program is Freedom of Income Tax.. Set those lost taxes against savings in emergency rooms. For icing on the cake, add the projected dollars we could be voluntarily collecting from the paychecks of the working poor at other jobs, those falling through the cracks, not qualified for Medicaid, who will all be glad to round-about actually have a Dr., starting out as a charity case, and the long term means to pay their Dr.'s for family services, as long as they don't have a compounded interest daily debt to some lobbyist's designated collection agency, or whatever else the porkers and bureaucrats imagine they can barrel on a sensible health care program that covers all the uninsured. Our health care industry needs reformation, the breaking issue, supply vs. demand.
Regardless your premiums, as boomers age, requiring more attention, you'll be lucky to get five full minutes with your Dr. My program calls for free medical education, for Dr.'s nurses, dentists and all their related personal. Springing open the med school doors will jerk the AMA into a swift boat infomercial battle, they, to push the astronomical cost of my free medical school program, but not to fret, I'm preparing a failsafe, readable plan on how we pay for it. First decide and let me know whether you want free medical education for the doctors.