Who says that American Healthcare is too costly?

There are some thought provoking ideas in the article written for Business Week by the Harvard professor, Clayton Christensen. But he misses the point as so many have in this debate. A lesson learned from the Clintonistas is that one must examine the proposition posed by those who demand change in their way. If we are to examine the statements that our healthcare system is too costly then we miss an all American point which is that the premise of the whole debate is wrong.

Our medical costs are higher than other countries’ costs because we can afford them and we choose to have it as it is and want to pay for it. One only has to look at Lasik eye surgery and all of the cosmetic surgery money that has been spent. Both areas have seen reductions in costs to the consumer, not increases! Both are not covered by insurance. Our pets have a competitive pricing model, why not humans, Americans?

We have gone down a socialist rabbit hole because we accepted the proposition that it is too costly. WOW did we take that bait!

We have the best, most innovative, health and medical delivery system in the world. Other countries citizens should emulate us and demand that the same level of access, treatments, and medical professionalism be encouraged in their country!

Instead of wasting time on this socialist supported change to one of Big Government ‘solutions’, we need a new paradigm that makes it easier to efficiently fund our needs and wants, not more wasteful and expensive government oversight.

Innovative insurance models can be developed that put the wage earner in charge of the money that is earned. Why not combine Life Insurance, Annuities, and health insurance with an IRA type of account that essentially would be an HSA on steroids. By using one underwriting portal, accepting large pre-tax funding of the accounts and designing payment provisions which either act as an annuity, life insurance benefit reduction, or hybrid of that model we could innovate like has been suggested in the above referenced article.

We can to advance our funding models to take advantage of the efficiencies of the internet, like bankers have done, like mutual funds have done, like every retailer from Walmart, to Amazon.com, and others have done to bring efficiency to the consumer model.

This is an opportunity that Steve Jobs should relish! Where are those innovators? Call me, we can get this done.

It is time to refute the propositions posed by the aging big government new dealers Pelosi, Reid, and Obama. Capitalism, although not perfect, will provide the efficiency to and personal funding mechanisms that historic true and free Americans instinctively know is right.

Richard G. Willard, Jr. all rights reserved                                                9 March 2010