Letter: Here’s a plan to replace Obamacare

From: Mark Duwe


The Affordable Care Act (Obamacare) isn’t perfect, but it has protected many. Is there a better way? Yes, there is.

President Donald Trump has said publicly he wants to make sure those using the ACA will still have access to health care when it’s repealed. What will we do to replace it? I have a plan. My plan would not require mandates to buy insurance or restrict part-time workers to 30 hours a week. Here it is:

No one pays more than 20 percent of their gross yearly income in any one year for all of the health care they are responsible for.

Example: Family of four makes $50,000 a year. You will be responsible for the first $10,000 of your medical bills. Above that the federal government picks up the tab. You can still buy a policy, if you’re not covered through your employer to cover that gap.

The way it is now, your insurance company has no idea how much it might have to pay out for you and your family in any one year. It could be nothing; it could be a million dollars. With my system all of that changes. Every insurance company in the country will know exactly how much they might have to pay out, to the penny for every client in any one year. That is a game-changer. Still, 95 percent of the time 95 percent of the people will not hit that maximum, so the government stays completely out of the way.

For those who would meet certain criteria of being head of household with income below a poverty line, some would qualify for a program that would just require a 10 percent payment, making insurance even more affordable. I would also think that even more employers would be able to offer health care for their employees under this plan.