AB 1400 and ACA 11: Universal Health Care

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This is the text of AB 1400. This is the text of ACA 11.

Below is the incomplete list of reports for the bills.
• ACA 11: California Constitutional Amendment Would Double Taxes (based-politics.com)
• California Revisits Offering Universal Health Care, Despite No Clear Plan to Pay for It (msn.com)
• Universal health care bill advances in California Assembly | AP News
• Single-payer health care: what Californians need to know - CalMatters

Myths about California Universal Health Care System

1. Health Care is a right.
   • False. Rights are given by God, not granted from the Government. The government can only protect rights.
2. AB 1400 and ACA 11 will almost double the state tax.
   • Both True and False.
     i. True: All health care expenses will be in the form of tax, which is almost the current level of state tax.
     ii. False: At the same time, employers and individuals don’t have to pay for health insurance and premiums and copayments, so it’s a trade of above payments to the form of state tax. But we don’t know the amount of current payments would be the same, more than or less than the proposed state tax.
3. AB 1400 and ACA 11 will reduce the total medical expense of all Californians
   • Unknown. There is no real number to support either claim, but currently all state run programs are wasteful and inefficient. Upgrading to Democracy 2.0 will help make the claim true.
4. AB 1400 and ACA 11 will eliminate all private medical insurances in California
   • Mostly true. Depends on the program. In the UK, which is a single payer system, some private medical insurances are still available. Most private medical insurance companies will disappear in California for sure. Some businesses which are both insurers and medical providers won’t survive in single payer system.

What’s missing in AB 1400 and ACA 11
In the proposed health care system, there are givers and takers. When there are more givers than takers (in terms of amount of money), the system runs better and better. When there are more takers than givers, the system will degrade and eventually broken down.

What should be done when there are more takers? Will the givers give even more to meet ends?

According to AB 1400, switching to Universal Health Care System is based on a report BEFORE the system is implemented, or make the major switch based on hypothetical data only. It’s very irresponsible and won’t go well.

My Proposal
Instead of establishing a full Universal Health Care System, proposed CalCare should start as an alternative Government run Medical Insurance, which competes with existing medical insurances. CalCare should cover State employees and retirees first. It’s a large enough pool to support a medical insurance to run and figure out the cost for the coverage. It should be open to all California residents, and private company employees can also switch to CalCare voluntarily.

By doing so, we can collect real data for the cost. Since all the participants will contribute, CalCare should have surplus. The surplus should provide to expand Medicare and County healthcare systems. If CalCare works as expected that it reduces overall cost and participants’ medical expense, most if not all California residents will switch to CalCare. And the surplus of CalCare will elevate Medicare or equivalent system to the same level of quality as CalCare.

Winning by competition is much better than by mandate.