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Medical Insurance

   Medical costs have dramatically risen over the years with insurance premiums becoming too excessive for the average person to afford in America.
Near Death Evaluation

   One manner of reducing medical costs is to deny treatment during the final days of a patient's life. On average, nearly 70% of a person’s lifetime medical expenses occur during the last two days of their life. Providing medical treatment to patients who are about to die within a day or two is a rather unjustifiable medical expense that should be avoided if at all possible.

   The situation may be improved if physicians were to follow a procedure that determines the survival status of a given patient before administrating treatment. If the survival prospects are low, then care will only be administered to ease the patient’s suffering rather than treat the medical condition itself.

   Even though denying adequate care for life-threatening conditions may become unpopular and difficult for physicians to follow, the new policy has the potential of reducing medical costs by a fairly large amount (e.g., 50% or greater), which is a significant improvement just by itself.
Ban Insurance
   Another possible manner of reducing medical costs is to ban health insurance since that is the reason why medical costs have excessively risen over the years.

   All insurance policies are pyramid schemes by their very nature in which a large number of contributors are expected to pay, while only a few at the top may receive benefits. However, relying on a fraudulent system like this is problematic since at some point, greater payments are needed in order to support the system over an extended period of time.

   The issue with insurance is that it
 allows the medical industry to increase fees higher than what an ordinary person may afford. However, if insurance policies were banned then the entire situation would be able to correct itself of where the medical industry would be required to reduce costs in order to remain in business.

   In addition, the Department of Health
 may also need to maintain a universal charge list at the federal level to restrict medical costs. This will establish a maximum limit on how much the medical industry may charge their patients for their services.
Sample Numbers

   The average salary in America is approximately $50,000 and this could be used as a guide to estimate
the afforda
bility of health care if medical insurance was banned.

   In this example, 5% of gross salary should be considered for building a personal health expense account that will pay for a lifetime of medical costs
. The medical industry will have to reduce their costs in order to fit within this range and be affordable for the average person:

                                      $50,000 gross salary
                                            15% total tax of skeleton gov't. (federal, state, city combined)                                                                                35% housing/rent
                                            25% living expenses (food, clothing, entertainment, etc.)
                                            10% large purchases (accumulate multiple years for new car or appliances)
                                            10% savings/investments
                                              5% health care

   The above assumes that voters will approve of the proposed skeleton government (max 15% total tax) and does not include anything extra like paying off the national debt or Social Security. This means that the medical industry will have to reduce their expenses to fit within $2,500 per year for a patient. A 40-year period, from ages 20-60, results in a total of $100,000 being available for a lifetime's worth of medical expenses.

   This means that the medical industry (or Dept. of Health's universal charge list mentioned above) will need to cut costs in every aspect in order to accommodate this estimate.

   Consider the following example regarding the cost of surgery. The average salary for general surgeons is $450,000, and registered nurses $70,000. If five surgeries are performed each week (which is below the national average so it's easier on the medical staff), that results in $3,461 for two surgeons and $1,076 for four nurses, or $4,537 total for six medical personnel per procedure (including pre-/post-care).

   Add the expense for medical instruments, supplies, and the use of a sanitized room, the average surgical procedure should be approx. $5,000-$10,000, which is affordable with the above estimate. However, the medical industry charges a great deal higher than that (e.g., coronary bypass costs up to $200,000).

   After years of relying on the "blank check" aspect of insurance where the medical industry overcharged patients excessively, medical costs under the new policy will need to adjust to a world where patients pay for the procedure themselves, which will bring costs down to more normalized levels.

   Pharmaceuticals, who have stated that the high cost of prescription drugs is due to the additional cost of failed drug trials, will have to reduce to consist only of the manufacturing cost of the drug itself. The additional cost of research and development for new drugs will be primarily funded through donations and charitable organizations rather than passed along to the consumer.

   If enough cuts are made by the medical industry to be more accommodating to the national salary average, adequate medical care may be provided without bankrupting the average citizen.

   Since the medical insurance industry will be dismantled by this new policy, their stockpile of funds from collecting premiums over the years should be returned to the original payer as a lump sum to give patients an initial boost to their personal healthcare saving accounts.
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