So, as well are reviewing the good and bad regarding the Affordable Care Act, one wonders what could have been the proper design of a progressive plan that would be fair to all and cover all.

We need to have basic coverage, so why not catastrophic coverage for all and then if a member wants more they can purchase the additional benefits.

Members have to have “skin” in the game, need to be penalized for poor behavior and have access to primary care providers.

Therefore, we need to also address the cost of providers as well as the malpractice problem. As long as we don’t address the tort situation, providers will still overspend to protect themselves from lawsuits, especially if the system sees the need to start limiting care options.

Medical education is costly, costing hundreds of thousands of dollars. We need the system to assist potential providers in exchange for their future services.

Comments?