Letter to your Congressman - T

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Tuesday, February 01, 2011

Congressman <your congressman>
<City, State Zip Code>

Re: Solution to a Health Care Crisis

Dear Congressman <your congressman>,

    WWW.MikesPlan.net is a website which represents the view point of Baltimore’s Business
    owners and business managers. Most of the businesses represented here are considered to
    be small businesses with less than 50 employees.

In brief, we are against a government run health care system. However, we are seeking a
remedy to our Health Care Crises that needs to include the following changes:

    1. A tort reform that will eliminate mal-practice premiums for all providers of “out patient
       services” and a commission to better police the medical industry.
    2. A rollback of the definition of covered medical services to eliminate the use of insurance
       on routine office visits, couple with expanded use of HSA’s. Insurance was originally
       established to guard against risk of financial devastation resulting from debilitating
       disease such as cancer. Office visits are not a risk they are a certainty. To fund office
       visits thru insurance premiums is simply a more expensive way to pay for the office visit.
    3. Personal Responsibility of the individual to exercise reasonable care in maintaining their
       health. That person failing to exercise this personal responsibility should bear an
       additional financial responsibility in the form of a higher premium or a premium tax.
       Currently Individuals who smoke cigarettes pay higher rates for life Insurance. Hence
       Individuals who smoke or are significantly overweight should be subject to a premium
    4. Small business health Insurance premiums are significantly higher than premiums for big
       business, (in many cases more than double). Small Business needs a mechanism which
       will level this playing field. If points, (as listed above): 1, 2 and 3 are adopted, then this
       program should decrease all group premiums by 40%. Assuming that large corporations
       are enjoying a 40% reduction in premiums, I would recommend implementation of a state
       health premium tax of 3% which would be exclusively used to reduce health insurance
       cost of small business (less than 50 employees) bringing the cost of benefits in line with
       that of large corporations.

Health care is not going to become less expensive simply because someone has found a new
source of revenue to tax. Health insurance will only become less expensive when we place the
individual in a position of bottom line responsibility.

It is our opinion that any solution to a health care crisis that fails to include these four points is a
waste of all taxpayers’ time and money. For more detailed information please consult our
website at www. Mikesplan.net


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