WHAT IS A HEALTH-SECURE AMERICA?
All Americans want good health care for their families but spiraling insurance costs threaten to make our country a fearful and insecure place. The roadmap to a Health-Secure America in the following chapters spells out explicitly how we will achieve affordable health care for all Americans. The roadmap is based on a lifetime of experience with what is actually necessary and what is counter-productive in the quest for one of America’s highest priorities–Health Security.

A Health-Secure America has three feasible, voluntary, and affordable objectives which we will call The Three Mandates.

THE THREE MANDATES OF HEALTH SECURITY AMERICA

• All Americans shall have health insurance from birth to death

• Americans shall have free health insurance through their first 18 years

• Health Security America will pay for itself—in fact it will not work unless it is self-funded

THE FIRST MANDATE
Every citizen will have available a high-quality health insurance plan regardless of his or her present physical health, financial capability, mental status or location in America. In other words, there will be no age, disability or other impediment to obtain this health insurance. The citizen will have coverage from birth to death. If he or she is mentally and physically capable, however, he or she will have to participate in the operation of Health Security America—this will be spelled out in later chapters—or it will not work. This means that the plan demands personal responsibility not only to help govern HSA, but to take care of his or her health and keep abreast of health issues.

THE SECOND MANDATE
Never again will there be ten million children without insurance through their first eighteen years. It is well known that health care for this age group is the least expensive. We all need to be parents for all of our kids and absorb their health care costs into the premium structure of Health Security America, our new health insurance plan for all Americans.

THE THIRD MANDATE
Health Security America will pay for itself—in fact it will not succeed unless it is self-funded. This means that Americans will have a responsibility to participate in order to ensure that the plan is affordable. Citizens and employers will be writing out checks for this plan just as for any other insurance they would buy, and the government will only give us the legislative tools to make this plan work—not the money. There is no question that, if we work together on this plan, we can save fifty percent on our health insurance premiums, perhaps even more. HSA’s self-funded, self-governed design, with, for instance, its ability to negotiate the very best prices from drug manufacturers, would bring the current health care lobby juggernaut to a halt. Imagine the drug companies, device manufacturers, and provider associations no longer having any more influence on our Congressmen than we do. This alone should provide incentive for our leaders to work with us and get this done, if for no other reason than to relieve our growing federal deficit.

Excerpted from Health Security America: Fixing the health care crisis. Copyright © 2006 by Fred Bannister, M.D. All rights reserved. Lundquist Hills Publishing Company.

Health Security America is the remedy.

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