Bryan Fischer believes he can solve the health care crisis with a few simple solutions, "so easy that a caveman could do it".
First, according to Fischer, we remove the Federal mandate that hospitals must treat everyone who comes through their doors, because the mandate causes cost of health care to rise significantly.
He gives an example as to why we must do this and that is a grocer would not stay in business for long if the government forced him to feed everyone, despite their ability to pay.
Then he stated that Ronald Reagan place the mandate for emergency room to treat people regardless of their ability to pay in 1986. Prior to that Christians paid for the care and treatment of the poor, without the government demanding it.
There was no such emergency room law prior to the one Ronald Reagan – yes, that smaller government, government-is-not-the solution Ronald Reagan – signed in 1986. For the first 200 years of our life as a republic, hospitals through charity and charitable donations offered health care to the neediest among us, and did so without anybody having to order them to do it.
He credits Christians for starting most hospitals and insists that Christians will find a way to care for the poor and the sick, without the government telling them what to do and says, "Christians are the most generous people on earth." According to him, Christians prove this every time there is a major disaster.
Let's not insult our own people by saying they are not generous and compassionate enough to help the needy with medical care.
Secondly, he proposes medical insurance with low premiums and high deductibles. This way people can "plow into their health care savings accounts," so they can meet their premium in case of a major health crisis, insisting that health insurance is only for major illness, not for routine exams.
Fischer believes if people were forced to pay high deductibles and save for an emergency, "they would be much more careful about their use of medical services and better care of themselves in the meantime", thereby making the cost of medical care go down.
Consumers would have an incentive to take good care of their own health and use medical services sparingly, because every dollar they save they get to keep. Right now, employees using employer-provided insurance have zero incentive to reduce the use of medical services. In fact, the incentive, perversely, is the other direction. Employees who make healthy lifestyle choices and rarely need medical care wind up with nothing to show for it, other than higher premiums to pay for other employees who don't look after themselves.
His third idea is to remove all government mandates of coverage requirements, allowing insurance providers to offer a wide range of packages with "cafeteria style" plans for people to choose from so they do not pay for something they will never use, such as acupuncture.
Fischer insists that mandates to buy health insurance with services one will never use drives up the costs of health insurance.
Fourth, he wants to allow insurance companies to sell across state lines, just as car insurance does, because it would cause competition for health insurance companies. He blames lack of competitions between companies for the high cost of health care.
His fifth idea is to reform tort laws, so that malpractice insurance cost will go down and lower the cost of health care overall, thereby allowing doctors to stay in business.
His last idea is to allow individuals the same tax breaks as businesses for buying health insurance.
After all, employers don't buy auto insurance for their employees. Why on earth should they be buying health insurance for them? The only reason is that government in all its wisdom offers them a tax break for offering health insurance it does not offer for auto insurance.
Let's get employers out of the health-care-providing business and let them give the money they spend on premiums to their employees in the form of raises. I flat out guarantee you that employees who are spending their own money will be more frugal about the choice of insurance products than their employers are.
Fischer is certain that the Supreme Court will say that the entire health care act is unconstitutional and after they do, we can continue with health care reform, even though nobody likes what he feels we must do to reform it. He believes his plan will give access to health care for everyone, because they will be forced to "choose wisely".