Abstract
This nonpartisan plan features a new private insurer based National Healthcare Benefit (NHB) plan combined with a Medicaid based “safety net”. Together they provide quality health insurance for all US citizens at significantly lower cost. NHB is based on the highly successful Federal Employees Health Benefit (FEHB) plan. FEHB is a government managed, free market, competitive approach to qualifying and selecting plans offered by private insurance vendors since 1960. It continues to provide excellent health care coverage for all federal employees. Individuals and employees of small businesses will have great low cost health insurance plans to choose from. NHB makes health insurance portable. The same plan is available in a new job or new State.
The plan provides access for people with preexisting conditions and allows parents to keep their children on their plan until age 26. No matter where you live, you have 11 or more health plan options to choose from each covering: Routine physical exams • Doctor’s office visits • Specialist visits • Lab tests • Prescriptions • Ambulance services • Inpatient hospital care • Surgery • X-rays • Maternity care• Urgent care • Mental health services • Stop smoking aids • Physical therapy • and more”. Details of plan types, premium cost and benefits can be found at https://www.opm.gov/healthcare-insurance/healthcare/plan-information/plans/
Participation in NHB is optional. Employers can continue to offer their existing plans. Employees have a choice to stay with the ACA, an employer plan or join a NHB plan. Those that join the NHB, including private individuals, employees of State and local governments, employees of private businesses, large and small, will choose from the same menu of insurance options. It presents an economically fair, comprehensive solution that makes quality, affordable health insurance immediately available to all Americans.
Simple Concept
Great health insurance for all Americans, same program as all federal employees, including pre-existing conditions.