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Universal access to health care: a practical perspective.

R M Battistella1, J M Kuder

  • 1Cornell University.

Journal of Health and Human Resources Administration
|February 2, 1994
PubMed
Summary

This study proposes a household responsibility and equity plan for health insurance, shifting costs to individuals and freeing up funds for economic growth. It prioritizes economic revitalization through increased savings and a stronger work ethic.

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Area of Science:

  • Health economics
  • Public policy
  • Healthcare financing

Background:

  • Current health insurance models (government-financed, employer-mandated) are not in the national economic interest.
  • Economic growth and wealth creation are essential for economic justice.
  • Addressing the uninsured and healthcare reform requires alignment with national economic priorities.

Purpose of the Study:

  • To propose a health insurance reform prioritizing economic growth and revitalization.
  • To introduce a universal access program based on household responsibility.
  • To reallocate resources from consumption to investment through healthcare financing reform.

Main Methods:

  • A "household responsibility and equity plan" is proposed, requiring individuals to pay for health insurance up to a percentage of disposable income.
  • Government defines a standard, cost-effective benefits package, reducing costs by eliminating non-efficacious services.
  • Public financing is reserved for targeted subsidies to the needy.

Main Results:

  • The proposed plan could free up over $90 billion for public investment and debt reduction.
  • It assures healthcare access regardless of ability to pay.
  • It is projected to reduce insurance costs by approximately 40% compared to conventional coverage.

Conclusions:

  • Healthcare reform is achievable by aligning with economic growth priorities.
  • Increased household savings will enlarge capital pools for investment.
  • Severing insurance from employment enhances labor mobility and reduces employer discrimination.

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