Every year, businesses dread the negotiations with their employee benefit providers. To reduce those costs, we need to create a Basic Medicare for Workers and Families program. Businesses can buy this coverage for their “head-of-household” employees at a single fixed rate for all ages and all family sizes. The single fixed rate prevents employer discrimination based on age or family size.
The premiums for B.M.W.F. are likely to be cheaper than the business is paying now for group insurance for just the worker. For actuarial soundness, there will need to be limits on the coverage. Workers and businesses can also optionally purchase commercial insurance supplements to expand the basic coverage or reduce deductibles. People with self-employment income or just “extra” income can also buy B.M.W.F. and supplements for themselves and their families.
We will greatly expand mental healthcare services and make them available to everyone. In addition to drug treatment and suicide prevention, new mental health services will include narcotic drug counseling and prescription service and life-termination counseling and service.
Giving drugs to addicts is far cheaper than incarceration or having them rob convenience stores. You will be able to fill your meth prescription at Walgreens with pharmaceutical grade meth and if you can’t afford your medication, the federal government will pay for it. When young people only see hopelessness for themselves, they turn to the illegal drug culture for economic and social opportunity. The pyramid structure of the drug distribution system requires addicts to become pushers and recruit new addicts. Without the illegal economic aspect, the pyramid collapses.
Old people or anyone else, who is ready to exit, can use the life-termination service and leave their assets and their world to their children or their favorite charity.
We will reduce the eligibility age for regular Medicare to age 62. This will allow millions of older workers to retire with healthcare coverage while still healthy and will free-up millions of jobs so that younger workers can move up and entry level workers can move in.