http://www.besthealthinsurancebook.com/blog/2009/06/15/harvards-jeff-miron-on-the-obama-health-insurance-proposal/ Health Insurance Book Author on Buying Health Insurance and Health Insurance Ripoffs Sun, 14 Feb 2010 14:40:25 -0500 http://wordpress.org/?v=2.8.4 hourly 1 http://www.besthealthinsurancebook.com/blog/2009/06/15/harvards-jeff-miron-on-the-obama-health-insurance-proposal/comment-page-1/#comment-555 John Novick Thu, 30 Jul 2009 19:03:00 +0000 http://www.besthealthinsurancebook.com/blog/2009/06/15/harvards-jeff-miron-on-the-obama-health-insurance-proposal/#comment-555 As long as we have a system with a third party payer we will have cost higher than the inflation rate. I have heard people joke about $2 cotton balls and $4 asperine on their hospital bill. The best approach is one that allow us to shop for health care the way we shop for most other items. Use the Major Medical concept. We pay for all cost up to a given maximun say $10,000 per year per family. Combine this with a health savings account and you eleminate about 90% of claims and thus 90% of paper work. You go to the MD and you pay as you go. What you dont use you save and at retirement you get back what you didnt use As long as we have a system with a third party payer we will have cost higher than the inflation rate. I have heard people joke about $2 cotton balls and $4 asperine on their hospital bill. The best approach is one that allow us to shop for health care the way we shop for most other items. Use the Major Medical concept. We pay for all cost up to a given maximun say $10,000 per year per family. Combine this with a health savings account and you eleminate about 90% of claims and thus 90% of paper work. You go to the MD and you pay as you go. What you dont use you save and at retirement you get back what you didnt use

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