Insurance
The Hybrid Funding Vehicle needed for Healthcare Reform and Access in 2010!
“The Alan Roebke (REB-key) Plan” Under the plan, all 47 million uninsured American’s will be covered, using this funding vehicle. All at a lower government cost and better coverage, than any other proposed plan including Obama’s. For all uninsured income receiving adults will contribute to this funding Vehicle. As well as all U.S. employer’s which have employees without health insurance or have employees with no employer health insurance support. This plan also includes and supports self-employed individuals and families without health insurance coverage and need at least short term help.
The funding based on a minimum contribution of $25/week, from all uninsured employees and self-employed individuals without insurance or $1300/year/adult. This contribution amount will also come from unemployment benefits and other government support received! Allowing a “work day”, to earn said $25 dollars without reductions in benefits or States can contribute to the $25 for an adult or act as an employer as well.
All employers will also contribute a minimum of $25/week/uninsured employee ($50 for seasonal) or self- insured employees without employer support or $1300/year/employee. The State can act as an employer!
The Federal government will also contribute $25/week/citizen, Man, Woman and Children without health insurance or $1300/year each. Which would include an arbitrated income cap, access review and contribution formula’s, selected by industry and or Congress. With best options and market access revealed to the insured, by the employer, insurer and HHS. Allowing the insured to include State Agency’s and non-profit advisor support in final selection and eligibility process.
This means an uninsured family unit of four, will have a total of $10,400/year to purchase a private health insurance policy and/or start a health savings account. The funds come from the $2600/year from their two adult employers. An additional $2600 from the Federal Government for the two income generating adults and $1300 each for the two children or another $2600/year. Plus a $2600/year contribution from the income producing adults. The plan also allows a State offered health policy or plan and a Federal selected or suggested policy from HHS. Allowing the immediate start of a health savings accounts from this plan to also address Dental needs. As health insurance guidelines, are worked out for this new insurance plan by Congress.
This plan is operated using our present government and private payroll computer systems. To collect and transfer funds, so uninsured citizens simply have the funds to purchase private health insurance on their own or through their employer or State!
The cost of this plan will be capped at $610 billion over ten years or $61 billion per year. Compared to the latest Obama plan of $950 billion or the Trillion Dollar plus plans from Congress.
It’s a good number because many can contribute more than $25 and healthcare costs will drop under good governance and our need to deflate all U.S. market costs.
Roebke developed this hybrid, based on the McCain – Obama view of healthcare from the 2008 campaign. Which includes the rival views of today’s Republicans and Democrats or Liberal and Conservative debate. Yet this plan addresses the fact that all Americans need health insurance at sometime and insuring all, best addresses costs. When all income producing adults, contribute to their Families healthcare needs and the plan/vehicle delivers real healthcare justice for all.
Roebke also views his vehicle/plan, as a major cost cutting tool for State budgets! Allowing each State to have better healthcare coverage for low income citizens, with needed Federal help.
Drafted by Alan Roebke (REB-key) Alexandria Minnesota,This copyright plan works!
Then see how Taxpayers have a right to know, how Congress has Lavished American Farmers with Crop Insurance Premium Subsidies totaling $5.41Billion for the 2009 Crop, paying about 60% of the Farmers Premium! While providing huge “Administrative Margins” and “Underwriting Gains” of $4.647 Billion in Crop Year 2008 for their insurance friends! All to reward these titled “Crop Insurance Companies”, who have transferred most of the risk to Taxpayers! While ignoring the fact that Farmers have enjoyed “Record Crop Prices in 2007, 2008 and 2009″ and could pay their own Premiums!
Published September 14 2009–AGWEEK
Alan Roebke, Alexandria, Minn.: ‘Fiscal hawks’ fly high over crop insurance subsidies
Although these senators question or don’t want a government option for health care reform, they see highly subsidized federal crop insurance in a much different light. In this, they’re joined by most of the Blue Dog Democrats in the House and fellow farm state senators.
ALEXANDRIA, Minn. — As Sens. Kent Conrad, D-N.D., Charles Grassley, R-Iowa, and Ben Nelson, D-Neb., restrain President Barack Obama from meaningful health insurance reform, their insurance track records need to be examined.
For although these senators question or don’t want a government option for health care reform, they see highly subsidized federal crop insurance in a much different light. In this, they’re joined by most of the Blue Dog Democrats in the House and fellow farm state senators.
All of them see “government crop insurance” as great; so, since 2001, about 58 percent of the farmer’s annual premium has been paid with taxpayer dollars. This subsidy is available to all farmers — big and small, rich and poor. That makes government-run crop insurance a major perk, one that’s prized by everyone from the smallest part-time farmer to the largest full-time producers who grow most of today’s crops.
And these crop insurance subsidies were not even affected by the prosperity of record grain price caused by the energy boom. Even after federal data had shown that total crop values jumped from $44 billion in 2005 to $90 billion in 2008, Congress still failed to end premium subsidies.
As the data confirmed, many of today’s full-time farmers are millionaires and multimillionaires. That may not be a politically correct statement in America today, but it is financially accurate.
In 2008 and 2009, Iowa farmers got $910 million to reduce premiums, Nebraska farmers $724 million and North Dakota farmers got more than a billion dollars. That’s a total of $2.7 billion in premium reductions by these powerful senators, who brought bacon for their state’s wealthiest but not the neediest without health insurance.
So, if Grassley had delivered the same total premium subsidy reduction for the past two years, an uninsured family of four in Iowa could have had an annual premium subsidy of $6,620. In Nelson’s Nebraska, a family of four would have had a $6,240 premium reduction for the past two years; while Conrad, “Mr. Co-op,” would have delivered $34,520 a year to the uninsured family of four in North Dakota.
Alan Roebke
