Beyond the Cusp

July 7, 2017

Where has Compromise Gone?

 

Obamacare passed completely on the weight of Democrat supermajorities. From all appearances, should there come a Trumpcare bill, it too will pass simply from a supermajority of Republicans. That is where the problem comes in as far as any new healthcare legislation. The Republicans are in deep discussion and even some argument over the particulars and thus taking far longer than many would prefer. But there is one wall in reality and another described in the media. The media are screaming that the Republicans are completely inept and unable to pass a simple piece of legislation that President Trump claimed would be his first and primary consideration. The media keeps pressing how the Republicans are failing but they are missing one simple truth, it is not all Republicans who are making things impossible. The House of Representatives sent a bill to the Senate where everything got jammed up both in committee and on the Senate floor. The Republicans have twice introduced legislation for debate and when calling for a vote, there came the problem, there were those demanding more debate. These debates were nothing to do with the legislation but were intended to block any vote by demanding cloture, something that just the mere mention has led to a new reality in the Senate that in order to call for any vote those desiring a call for a vote must have sixty votes of guaranteed support. This means that every piece of legislation must have cloture because the essential reality is that all legislation is considered to be being filibustered by those who oppose the bill. There no longer is any requirement for legislation to actually be opposed with a real filibuster, it is simply assumed that if one person opposes legislation, then they would be capable of filibustering the legislation indefinitely without recourse for food, sleep or other nourishment or relaxation. Anyone who has seen the film, “Mr. Smith Goes to Washington” (see entire film video below), realize that no individual person would be capable of carrying on a filibuster alone and even two would be hard pressed. There was a reason that the Senate believed that forty Senators would be sufficient opposition for a principled stand and no less would suffice. No longer, as now one must have the support, public support if pressed, of sixty Senators. We are not sure when such a decision was reached and became tradition, but it sure makes progress far more difficult and cumbersome as getting Senators to commit could be compared with herding cats.

 

 

The United States Senate was once referred to as the most dignified and austere deliberative chamber in the history of the world. The House of Representatives was to represent the fury of democracy filled with bluster, crude and terse yelling producing responses to the insanities and demands of the populace often flinging reason to the wind. The Senate was to be the barricade which imposed reason on such madness. But politics in the United States has reached a crucial and, as one might say, desperate point. The partisanship has boiled over and is simply waiting to explode. Debate is no longer permitted as the space for debate has slowly closed down. Now, one enters into the debate either armed with the skin of a rhinoceros or prepared to lose friends as taking a side other than those approved by your peers is akin to treason. Even relatives finding themselves on opposite sides have refused to speak to one another and even a few marriages have broken up simply because the partners voted for opposing candidates in the Presidential elections. Now the demand on both sides is to prevent the other side from ever managing to pass any legislation and nowhere is this battle more obvious than the healthcare debates. The left is fiercely set to defending Obamacare and simply pressing that the only reason that Obamacare is failing is because that imbecile in the White House demands that it fail as his entire esteem rides upon its failure. They claim if only President Trump would allow minor, Democrat-approved adjustments and put in the proper financial investment, then Obamacare would produce everything as promised. The Republicans insist that nothing will be able to save Obamacare and some even press that it was designed to fail so as to allow for the enactment of the Democrat dream of a Single-Payer Healthcare System. The response from many on the left demand to know what would be so terrible in adopting the identical healthcare system which has bankrupted many a European nation who do not have anywhere near the populations nor a military budget anywhere near to comparable to those of the United States. The sides on this debate find no middle ground nor do they seek any. Both demand absolute victory and this comes to a head in the United States Senate. The House of Representatives currently have a majority of Republicans which leads to the Republicans being able to pass whatever legislation they desire, and have done so on healthcare and other legislative time bombs.

 

The time bombs which pass the House of Representatives with much noise but ineffectual opposition run smack into the polite deference found in the Senate where every piece of legislation had come to require a filibuster proof vote to simply pass. There is no longer the requirement to actually filibuster; one just has to oppose legislation and the filibuster is considered to be in force and cloture required. Additionally, the Democrats have come together in such a manner that they will act like a single entity and oppose everything the Trump administration favors. There is no concept even remotely resembling doing the nation’s business because as far as the politicians and their parties are concerned, there is no single nation but instead two warring camps between which no bridges can be built and no compromise can be permitted. With compromise out, then business is done because without even the slightest opening for compromise and doing what is best for the country, the two parties remain in gridlock with both sides controlling over forty votes in the Senate and thus neither being capable of reaching the magic number of sixty votes. This is a new development which has not been faced previously. And no, this was not the case during the Obama administration. The only legislation which was passed with total Republican opposition, to the best of our knowledge, was Obamacare where the Democrats had the supermajority of sixty votes in the Senate. Factually, the Democrats had to rush that passage as when Ted Kennedy died, the replacement elected in the November elections in Massachusetts was a Republican as he promised to vote against Obamacare, the Democrat promised to vote for Obamacare, and that was the deciding factor many voters gave for voting for a Republican for the first time in decades. That gave the Democrats in the Senate until the following January, so when they returned after the election they rushed a vote through and passed basically the legislation as the House of Representatives sent it without reading it, debating it or amending it. Some have pointed to this as the reason that Obamacare is failing, that it was incomplete when passed. Trust, it was complete and has done exactly what it was designed to do, bankrupt medical insurance industry and force the United States to adopt a single payer plan medical insurance and be just like Europe. Many are unsure if the United States would work well if it became more like the European Union than the United States. One might say that the leftists are trying to turn the United States into Europe one vote at a time. The Republicans are trying to avoid this and retain capitalistic principles at all costs. And that is a large part of the debate, capitalism versus socialism, and democratic republic versus single party unopposed rule, also known as fascism.

 

The United States of Europe Turning the United States into Europe One Vote at a Time

The United States of Europe
Turning the United States into Europe One Vote at a Time

 

I can hear the screeching, gut-wrenching, blood curdling, nails across the blackboard yelling already, what do you mean leftists are fascists, its Trump who’s the fascist. Well, as much as we love controversy, and we do, let’s hash this out looking back at history. Be calm, I know, Hitler was on the right, therefore fascism is from the right and the Republicans are on the right, game, set, match. Well, not exactly as the truth is that NAZI stood for Nationalsozialistische Deutsche Arbeiterpartei (National-Socialist German Workers’ Party; NSDAP). That is not exactly a group which stood for a Democratic Republic which is what their government replaced, which was known as the Weimar Republic. The government under Adolph Hitler came to power only after the leaders of the Weimar Republic approved some critical changes to their constitution granting the Chancellorship additional, unprecedented and near total and quite unopposable power. Then after taking the position, Adolph Hitler then assumed additional powers leading to his being a fascist dictator. The methods he utilized to take power were textbook examples of how to take total power and control of a government. You cause a situation where the government is stymied and unable to accomplish or even address the needs of the nation, add unrest and increasing violence, invent a critical point where the people will feel their nation threatened, demand the problem you are orchestrating be immediately resolved, offer on a wave of public demands that you be granted the power to end the strife, take power and demolish the people at the bottom who were instigated into violence at the critical point and then claim unlimited power because you accomplished the impossible. This was Hitler’s plan, Lennon’s plan, Chavez’s plan and far too many others for such methods to be considered ridiculous. The simple plan is create a national problem such as the collapse of the healthcare system, propose to solve the problem if given the tools, use the tools and the popularity gained in solving the problem to change the remainder of any constitution and make your party the only political entity and you its unrivaled leader, instant fascist governance.

 

The fearful condition in the United States currently has been the inoperability of the federal government which is locked due to the Senate being the dam obstructing business being accomplished. The media is fully backing the story that President Trump is a buffoon and an idiot who has no concept of how Washington works or how to accomplish things. Granted, much of the President Tweeting has backed this portrait. Despite his less than intelligent Tweets, the President cannot be blamed for the lack of legislation ever reaching his desk, the problem being faced by the United States government. But this will not prevent the near constant media blame President Trump first, second, last and always. There are those who have cast the President as attempting to take dictatorial steps to shut down debate on his agenda. This claim is given credence by those so opposed to President Trump as he committed the most horrific crime which may be cast as the crime of the century; he defeated the anointed one, Hillary Clinton. This is the crime for which President Trump will never be allowed to live down and for which many are infuriated to the point that they are still spending much of their free time posting to social media every remote piece of media coverage which can be found even to the point of having established chains where people post such a vindictive piece of editorial media and it goes around as they send it each on to the next in a great circle such that it returns to the fist poster who posts it as if it were new again weeks later. There are numerous such rings, all secretive and never to be admitted, and these will see to it that President Trump’s detractors will have a never ending and always increasing amount of material. Oh, and if you desire to be blasted into a different time zone, decry the unfairness or inaccuracies of these posts at your own risk of hearing loss as some responses you will receive will be in all caps, possibly bolded and even italicized in red if at all possible. Of course, should you be so struck, then you obviously deserved such treatment.

 

Where will all of this lead? That depends very heavily on the 2018 election and whether the Republicans can attain sixty Senate seats while retaining control of the House of Representatives. That is a tall order as very often in midterm elections the party of the sitting President lose seats in both houses of Congress, especially the House of Representatives. But these are different and new times and nobody can predict things political in this new era. The fact that Trump even lasted until the first primary was strange, that he did so well was astonishing, that he became the Republican candidate was unbelievable. This was the end of politics as had previously been known in the United States. The near come from behind win by Bernie Sanders in the Democrat primaries was a further established proof of the changing political scene. Will politics return to the old normal? It very probably could but then again, there have been such drastic changes before when things came to a head, but the United States does not need to have a new party rise and one fall to the side and disappear as happened when the Republicans became a major party. Those days eventually led to the Civil War and that is most definitely not something needed by any nation. Further, as much as it has been claimed that the election of President Trump could lead to the end of the Republican Party, that is probably just as unlikely if not more so than the Democrat Party disappearing. The only potential threat the main two political parties have in the United States will be if they continue to refuse to see any means of working together. Such refusal to be capable of seeing things as the needs of the nation rather than the unacceptable policies of the “other” could lead to one of the third parties to become a real third party. The existence of an actual third party which could gain sufficient support that they would hold the swing votes required by the other two parties to achieve their agendas, that party would become quite powerful and determine the direction of legislation and the nation. It might also lead to a fourth and fifth and soon, the United States would look like European nations with a party for every taste instead of coalitions forming two parties. Who is to say whether or not such would be a good thing or such fracturing of political power would make for some politicking so strange than nobody could ever establish anything resembling an actual solid policy. The future of the United States is at a crucial point in her history challenged only be the era around the Civil War and perhaps the divisions are just as deep and unresolvable. The next decade or two will be determinable for the future of the United States and whether she will remain the leader of the free world and a superpower unrivaled in the world. Nothing short of her place in the world is at stake but asking for the two sides to tread softly will fall upon deaf ears as they are all screaming far too loud to listen.

 

Beyond the Cusp

 

May 11, 2017

Of Healthcare and Health Insurance

 

Obamacare was not about receiving healthcare but on how it was to be covered, how it would be paid for. Trumpcare is not about receiving healthcare but on how it is to be covered, how it will be paid for. So, nobody is going to die because they cannot receive treatment because of either legislation. The differences are all about how health insurance will be distributed, paid for and the role of government in this procedure. Another item which is required is the knowledge that there is no such thing as an untreatable patient because by regulations any hospital which receives any form of government money, Medicare, Medicaid, Veterans Reimbursements or direct government aid are required to treat absolutely anybody who comes to them for treatment regardless of whether or not they are capable of paying for the treatment. This includes treating the uninsured, the homeless, the indigent and anybody else who comes to them for care whether through emergency vehicle or simply walking in the front door or the side door marked “Emergency Room.” The hospital I used to work for as a Biomedical Engineering Electronics Technician, the Washington Hospital Center, a thousand bed cardiac care hospital which also has Washington D.C.’s award winning burn center, a top eye and ear clinic, a Cath Lab with a half dozen operating theaters including two Electrophysiology Labs, an EEG department, an entire separate Physical Therapy Hospital attached to them across the entranceway, two separate operating theaters, one with a dozen operating rooms and the outpatient theaters with five operating rooms, one of the areas major Trauma Centers with two medical helicopters and six bays of which two could be used for emergency surgeries, an entire series of outpatient health clinics covering everything from inoculations to chronic treatments plus much more, and was a hospital which provided close to two million dollars in free care back when I was an employee in the late 1980’s through the early 1990’s. So the untruth that people in the United States die on the street because they were unable to receive treatment anywhere because they had no insurance is exactly that, an untruth. In the United States all but a very small number of specialty hospitals and members’ only hospitals, which treat either certain religious groups or select people who belong and pay either a monthly or an annual fee, receive federal funds one way or another and thus are required to treat all who come to them needing treatment. That is the first point that needs to be told as it removes the largest complaint that people are falling dead all over the United States in nearly every city as they are denied treatment because they are uninsured. The claims that we would soon see carts dragged through poorer neighborhoods calling for them to bring out their dead (as seen below) were a bit of an over-exaggeration.

 

 

So, the two plans are all about health insurance, not healthcare. The next truth, which is being used to cast a false accusation, was that the large increases in premiums came since President Trump became President, thus are his fault. The quote that the largest and by far most drastic increases in insurance premiums have been witnessed this year is absolutely true. The claim this makes them President Trump’s responsibility is quasi-valid. That President Trump has caused these drastic increases is false. What is true but seldom mentioned is that all of the statutes and regulations derived from Obamacare came into effect this year as of January first. Now this could all be coincidence, but I doubt this. Many premiums had been seen to increase, in some states almost, if not, doubling, last year as another round of regulations, laws and rules came into effect, but those paled in comparison to those that struck this year. The real effects intended by Obamacare have begun to raise their ugly truths with states such as Iowa fearing the loss of the final insurers pulling from offering coverage in the near future. This was the plan, to so bankrupt the health insurers leading to a panic, which would make a single-payer government health insurance plan acceptable due to lack of alternatives. One by one states would be forced to join Federal Government health insurance. The end result was to be Government Healthcare simply because the insurers who had covered health expenses could no longer make a profit as with the rising premiums people either opted for the Federal coverage or simply ducked from having any coverage. This is what Trumpcare is attempting to prevent and the reason why putting something in place quickly is so important. Unfortunately that also might lead to putting forward a flawed plan which will require patches and modifications before it becomes workable and this would be interpreted as poor planning. Meanwhile, a case being brought before the Supreme Court that would make Obamacare subsidies be limited to those states running their own exchanges threatens to force Obamacare to actually operate as written and not as expanded through broadened but presumed illegal interpretation (see map below). Should this case win it could open the way for more cases of a similar vein leading to strictly limiting Obamacare to the language of the law.

 

States Where Supreme Court Could Make Obamacare Subsidies Disappear

 

Emergencies often lead to poorly thought through or otherwise incomplete plans being put into force requiring more attention and an ongoing policy, which causes other problems as changing rules leads to fearful reactions by the affected companies, in this case health insurers. This could in part be the reason for the initial failure of the first attempt at cobbling together a plan and that may prove to have been a saving grace. Now we have Republican Care II, which passed the House of Representatives but now faces review in the Senate where changes will very likely be made and then the legislation, and this is all we have, legislation, will be returned to the House of Representatives. There it may be changed further and this exchange will continue until something more complete and comprehensive which meets the principle concerns of the Senators and Representatives and then will be passed on to the President. This is all depending on one little technicality, the Senate Democrats. The Democrats have sufficient Senators to prevent anything being passed through the Senate through filibuster. The overt civility of the Senate has made the filibuster as simple as telling the President Pro Tempore that a filibuster is intended and the legislation is all too often tabled until sixty votes can be guaranteed to invoke cloture ending the filibuster. No longer does the Senate demand that Senators imposing the filibuster actually talk twenty-four hours a day seven days a week until they tire of doing so or cloture is voted. There was one recent exception when Republican Senator Ted Cruz of Texas read Dr. Seuss’s “Green Eggs And Ham” as part of his twenty-one hour solo filibuster before surrendering as none of his fellow Republicans stepped up to support his attempt at mainly a symbolic statement against Obamacare (seen below). So, out of courtesy, the Democrats will not be made to actually take to the floor and fill the time with endless driveling and possibly entertaining the media with the reading of children’s tales or misquotes. This is also why the filibuster is used so frequently in the Senate as it no longer requires any significant effort or contribution in support of the position taken by the filibuster in opposing legislation. This will also prevent the necessary back and forth between the House and Senate in the manner in which the Congress is supposed to function and also stall any possibility for relief from the impending disasters that will come as a result from Obamacare. This is one time where time actually is of the essence.

 

 

What is certain is that should too many insurers decide to no longer offer health insurance and simply close down this part of their companies, then there truly will be a healthcare crisis in the United States. Many will say that this would be a gift as it would usher in government provided healthcare at long last and the United States could joint the long list of civilized nations. These individuals and groups will leave out the interesting fact that most nations providing government healthcare have a different problem, they cannot provide for their own defense and rely completely on the United States to provide the deterrence, which keeps them safe, relatively and thus far. They will point to particular nations while avoiding numerous others to prove their point that government provided healthcare is completely doable. Those nations they refuse to point to are the reason it will not work in the United States as they found out in Britain when they finally decided that they had to cut back on the amount of healthcare they were providing while other nations approached their problems with price controls.

 

There is a light on the horizon, though most would never point to their success. There is one nation that has universal coverage, a very capable and viable defense force, and a form of government/private health insurance. That nation is Israel. They have a minimal coverage required be provided by all insurers for which each receives a government payout. Then the four insurance companies offer their base plans while the people pay a health tax to cover the base plans offered. Then each of the four insurers operates in areas they feel they can make a profit with at least two operating in each part of the country. Then each insurer offers additional coverages, which they give nice sounding names such as Silver, Gold, Platinum or Palladium, well, OK, not the last one as it is made up. Individual can take the base coverage or they can purchase additional coverages, which vary depending on which of the four companies they choose. This works well for the most part. Yes, there can be problems when a person’s coverage and their particular needs have a failure in coverage, but these are addressed individually. So, nothing is perfect, but it appears to work, at least as far as we have experienced. Where this system may not be perfect, it is a great starting point and with the numbers of insurers currently in the United States, some form of system like this should be capable of being established, perhaps one where the government simply dictates the medial price for the basic coverage and sets up variances for the different markets throughout the nation. That’s our best suggestion if the politicians in the United States are seeking a system that combines a set coverage for all, even to include major medical for unexpected emergencies and hospitalizations, combined with a competitive market where competition is used to reduce prices. In the meantime, let us wait and see what the Congress is capable of producing.

 

Beyond the Cusp

 

March 28, 2017

What Went Wrong with Trump Healthcare?

 

Trump Ryan combination could not pass Trumpcare to replace Obamacare, and America should be glad, that is if the claims we hear are true. We heard from so many that they wanted Obamacare repealed and their old insurance back, well, with a few niceties left over. They still wanted their kids to be able to remain on their parent’s plans till age twenty-six because college takes half a lifetime you know. They liked that existing conditions should not have to be penalized with higher premiums. Oh, yea, the people receiving high subsidies; got to keep them. So what exactly was it they did not want from Obamacare again? Oh yes, the people who had lost their doctors and their insurance plan or had their hours reduced at work or were simply fired or owned a small business and were afraid to expand past forty-nine employees. So the problem is the same old problem with all Democrat buy vote plans when they replace something that worked with something which really didn’t work but could be patched, smeared, slid along, tweaked, twirled a few times, rewrapped and it would eventually fail tragically and then like the Phoenix some new plan would rise from the ashes to replace it and the entire cycle restarts. That has been the way and the reborn is usually called an overhaul even though much of the new plan appears very similar to the old plan with the debt just tossed aside and we pretend that there had been no problem. So we stand where we always stand, where we have stood on education since the birth of the department of Education, on crime since the War on Crime, on drugs since the War on Drugs, on immigration since the promise to enforce immigration laws in the 1980’s, on you name the federal program since it replaced the church, charity, public institutions, the family, the private sector, or simply replaced people being people and had the government become our teacher, our best friend, our employment guarantee, our minimal income provider (welfare and related programs), our retirement planner, our security blanket, our fair housing guarantor, our fair everything guarantor, our everything over the last three or four generations as government has swallowed responsibility for darn near everything and that they have not they regulate to death.

 

It turns out with Obamacare the same two forces are tugging and we all know which one will win. The forces are those whose lives have been made easy with free stuff against those who know there is no such thing as free stuff because they have to pay for those other people’s free stuff. The people getting the free stuff have more time to make noise while those paying for the free stuff have two or three jobs to pay for the free stuff and no time to make noise or any energy with which to do so. Further, the people paying are seldom around or have the time to take those calls asking their opinion while those getting the free stuff have all the time in the world. End result is the polls show that the people want the free stuff. There really is only one simple answer to the entire situation, a complete and total reset. By that we mean that we take the Constitution and the Bill of Rights and only very delicately tweak things such that we include the additional succession adjustments, the incapacity of a President Amendment, term limits on everything except judges, include the demand that each piece of legislation must include every aspect and enforcement and all the particulars and there can never be anything outside of what the legislation states added or altered by any bureaucrat, administrator, judge or other official without there being legislation stating exactly what is to be altered, added or subtracted passed by Congress and signed by the President. There should be an agreed upon maximum tax rate. And the biggest change is that the government must be precluded from performing any charity, setting a guarantee of minimal income or wages, providing insurance of any nature especially unemployment, any service which can be served by the private sector must be forbidden to government, and the people must be permitted to challenge any legislation passed by Congress and signed into law by the President for a period of ten years through a recall by collecting some reasonable number of signatures not to exceed one-half-of-one-percent of the national population. There are likely a great number of other items which people would like to see incorporated into such a new Constitution and Bill of Rights and as long as they do not diminish any of the rights laid out in the original Constitution and Bill of Rights as taken in their most general and originalist interpretation, then they should be voted upon by the people and those accepted incorporated. The only other modifier would be that these suggestions would need be one of two types, guarantors of rights to the people and the individual states as incorporated by the Tenth Amendment or be a limit on the government starting at the federal level and even including the state and local level if desired also as per the spirit of the Tenth Amendments empowerment of the people themselves. Until something such as this occurs expect more demonstrations and suffocating government laws and regulations, especially regulations.

 

One thing which we found most threatening by the Obama Administration was their positions called Czars who were nothing more than a shadow government replacing the actual power of the Cabinet Secretaries by people who were never vetted by the Senate as they were never required to be confirmed by the Senate as other appointees are required. This permitted a government level within the administration which was unanswerable to the elected representatives of the people which was a way around the confirmation system and placed Obama appointees who were beyond reproach. One such position had no equivalent Cabinet position, the Regulatory Czar Cass Sunstein whose position defined his position as reviewing all previous legislations, laws and even regulations to see whether additional regulations could be derived from these items which had not previously been conceived of and were in line with the desires and goals of the administration. There was no record kept on the numbers of new regulations generated by his position but he remained in this czarist fiefdom for close to the first four years that President Obama was in office. We guess he left when he had run out of things to review and felt that X many thousands of additional regulations should be sufficient to muck up the works of anything anybody in the private sector desired attempting to do without first greasing the wheels of governance. Many estimates place the number of added regulations over the past decade to exceed half of a million pages of new regulations on the books. We do know that the deficit spending through 2010 with 2011 projected in the graph below proves that government is broken and very probably unsalvageable. Without a massive cutting of the size, scope, width, breadth, depth, reach and overall weight of the gargantuan, all-encompassing and devouring behemoth which now threatens the health and welfare of the nation which we call the federal government, the United States will drown in its own swill of regulations, taxes and overreaching programs. This is the sad truth and many know this and still insist on continuing with the same mindset claiming they can spend their way out of this morass.

 

Deficit Spending Through 1980 - 2010 (with 2011 CBO estimate)

Deficit Spending Through 1980 – 2010 (with 2011 CBO estimate)

 

That is what was wrong with the Trumpcare and Ryan should have realized that and worked to do the right thing. The solution to Obamacare is to hunt down every last single shred of that monstrosity whether it was part of the original legislation or passed as a set-up piece hidden in a defense spending bill, and omnibus bill or an extending government operations bill and nix every last letter and punctuation from the record and then hunt down every single regulation written to enact every scintilla and erase them with equal fervor. The only true solution to the Obamacare nightmare would be to remove it all and if that means that some pieces of other healthcare existing strategies and programs will be cut back, good. Then allow churches and clubs to offer group plans which would spread their care over those who need coverage but cannot find affordable programs and these systems can get group rates which will bring costs down for those in need. Allow charities to pay for healthcare for the people needful of such assistance and do something horrific, require those who are able-bodied to get work and pay their own healthcare. Please pass tort reform, good luck as congress is chocked full of lawyers. Pass limits on malpractice rewards lowering malpractice insurance costs and allow hospitals and health maintenance groups to get group plans for their physicians’ malpractice bringing those costs down. By promoting group insurance for all forms and across state line coverages the prices will become more competitive. There could even be plans made where people residing in a community to purchase healthcare as a group which would offer another means for lower price coverage. Health savings plans should be encouraged and even allow one support from government that money put into a health savings accounts to be tax free along with the interest earned and once an account reaches the set amount, it can then serve as their insurance plan as long as they continue to contribute a minimal amount monthly so that as costs rise with inflation they remain covered sufficiently well plus as they age they will accrue more coverage as it will be necessary. There are ways through private sector to cover almost everybody and almost all who desire coverage, and for those who require care and do not have insurance, there should be a means for loans for such coverage from financial institutions willing to take such ventures under their programs offered similar to vehicle loans and charities for tragic cases as per their discretion. Americans are a people known and renowned for their generosity and are perhaps one of the most giving nations on the planet (we think possibly with an exception except that the exception gives in such ways as cannot be measured as there is no record as much of the charity is through religious institutions where no records as from where their donations came or even how they were dispensed as they were given in quantities and to recipients both of which remain unrecorded for the benefit of all involved and the dignity of the less fortunate. Were the United States to return much of the care for those in need to their religious institutions and charities they might find that would prove to be a superior system and the people who could afford to help would and those who chose not to help would be allowed their greed, in the end it would not matter. Life is funny that way.

 

Beyond the Cusp

 

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