Revive true health insurance

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Dear Congress,

We already know how to make both healthcare and health insurance highly affordable. Patients need to pay for most of their own medical expenses, with insurance relegated to only the most rare and expensive problems. This would...

  • Make doctor visits, tests, treatments, and pharmaceuticals much cheaper because cash prices are lower!
  • Make health insurance much more affordable

To achieve these goals you must pass legislation to restore true health insurance. State and federal politicians have destroyed health insurance by...

  • Imposing mandates that force policies to cover too many things
  • Creating perverse tax incentives that turn supposed insurance policies into expensive "bill paying services"

To fix these problems you must...

  • Remove all insurance mandates -- let every type of health insurance be sold in an open, competitive market
  • Kill the mandates imposed at the state level by allowing health insurance to be sold across state lines
  • Equalize the tax treatment for all healthcare costs

True insurance (major medical/hospitalization) protects against expensive risks. It does NOT pay for every expense. Car insurance that paid for oil changes would be prohibitively expensive too.

Remove all the mandates. The insurance industry loves these mandates but they hurt consumers.

Several wonderful benefits will flow our way, once we have true health insurance again...

  • Premiums will plummet because mandates drive up costs
  • The number of insurance providers will skyrocket, creating competition that will further reduce insurance premiums
  • The number of people lacking insurance will fall dramatically
  • New products will appear. We’ll be able to choose between different kinds of insurance with different prices to meet our unique needs. For instance, we could have health-status insurance to protect against pre-existing conditions

Please introduce legislation to revive "true health insurance."

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Introduce legislation to restore "true health insurance" by ending all state and local mandates, permitting health insurance policies to be sold across state lines, and by equalizing the tax treatment of all healthcare expenses.
   
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