Health Insurance is too expensive. I sell it and I know this.
I have a prediction for the “New Biden Plan”. Call it a hunch.
I predict that we will design a robust MediCal program and keep a version of the private employer based programs such as we have now.
California’s MediCal program is call Medicaid in other states. Some states do not offer this solution. That will need to change. That will end up in court State vs. Federal Government.
MediCal doctors will need to be paid more. Currently they are not paid well and that makes the choice of doctors very limited for the average consumer.
Everyone will need to enroll and most will pay through taxes. Options will be given to upgrade the plan. That will enable the member to be seen more quickly and see another set of doctors.
Employer plans will be hybrids of a MediCal base and private insurance. Costs will still be high since we will still allow malpractice lawsuits.
Just a hunch.
