What's wrong with our current health insurance system?

  • It wastes money: $3,000 per year for the average U.S. resident or $910 billion per year for the whole U.S. economy.
  • It doesn't provide secure health insurance coverage
  • It doesn't cover 47 million people in the U.S.
  • It leads to the deaths of 22,000 people per year in the U.S. that don't have health insurance.
  • It limits most people's choice of doctor and hospital.
  • It creates a less healthy population.
  • It creates a lot of hassles related to billing, procedure approval and denial of health insurance due to pre-existing medical conditions.
  • It produces 62% of all bankruptcies in the U.S.
  • It makes many businesses less globally competitive.
  • It creates hassles and financial burdens for many businesses.

We spend­­­­­ more money in our healthcare system than on the military, education, transportation and veteran's benefits combined.

What are the benefits and upsides of 1PLAN?

Please read the pros & cons page for the answers to this question.

What are the drawbacks and downsides of 1PLAN?

Please read the pros & cons page for the answers to this question.

What about other health care reform plans? Why is 1PLAN the best?

Please read the what is 1PLAN page for the answers to these questions.

How does 1PLAN cut health care costs by 38%?

G7 countries other than the U.S.: Canada, U.K., Japan, France, Germany and Italy have been using some form of a national health insurance system for decades. Their systems waste far less money, cover all of their residents, give greater choice of health care provider and create an end result of a healthier population. If they can do it, why can't we?

Specific cost savings occur in the following areas:

  • 1PLAN replaces our inefficient, bureaucratic health insurance system with an efficient, streamlined system. Cost savings: Estimates vary from $250-500 billion per year
  • 1PLAN reduces unnecessary medical tests performed by some unscrupulous health care providers or performed as 'defensive medicine' designed to ward off malpractice suits. Cost savings: Estimates vary from $150-250 billion per year
  • 1PLAN reduces medical fees by guaranteeing medical payments to health care providers and by the power of collective bargaining that 1PLAN will have. Cost savings: ?
  • With 1PLAN, everyone pays into the system, which in turn lowers health insurance premiums for everyone. Cost savings: ?
  • Under 1PLAN, people will be more likely to seek medical care at the first sign of illness which will reduce much more costly medical expenses that arise from waiting until an illness gets “bad enough” to seek medical help. Cost savings: ?
  • 1PLAN will be a nonprofit company, which will save money over for-profit health insurance companies, because it will be mission driven rather than profit driven. Cost savings: ?

How will we move from our current system to 1PLAN?

    1. First, there must be a 'critical mass' of popular support that will obligate political decision makers to implement 1PLAN.
    2. Second, political decision makers must pass legislation that creates the 1PLAN system and sets up a plan for transition.
    3. Third, the 1PLAN system will be implemented by:
  • Buying out existing health insurance companies
  • Transferring health insurance from those companies to 1PLAN
  • Enrolling U.S. residents that don't already have health insurance into 1PLAN
  • Setting up systems to accept health insurance premiums and reimburse health care providers

What will it cost to change from our current system to 1PLAN?

There will be significant upfront costs associated with the switch to 1PLAN, but they will much less compared to the cost of continuing to waste $910 billion per year. The 1PLAN company will have to be created, staffed and resourced. There will be costs associated with compensating private health insurance companies for reasonable market value and job retraining options for health insurance workers that cannot or do not wish to be hired by 1PLAN.

Will 1PLAN increase the national deficit?

No. 1PLAN will actually DECREASE the national deficit. Since 1PLAN reduces health care waste by $910 billion per year, the Federal government will realize much of that savings and will pay much less for the Medicare and Medicaid program. Thus, 1PLAN reduces the national deficit.

What will happen to private insurance companies and their workers?

While some health insurance companies will choose to offer supplemental health insurance, most health insurance companies will be merged into 1PLAN or be paid to close their doors. 1PLAN will have upfront costs associated with compensating these health insurance companies and their investors for reasonable market value and job retraining options for health insurance workers that cannot or do not wish to be hired by 1PLAN.

How will priority of care be determined? Will this result in "rationed" care?

Since doctors, hospitals and health care providers will still remain privately owned, priority of care will work the same as it does not for people with health insurance and care will not be "rationed". Just as our system works now, urgent and emergency care will be available immediately. And also just as it is now, priority for non-urgent care will be on a first come first serve basis.

But if everyone can see a doctor whenever they want, won't costs go up?

No. Costs will actually go down. As the saying goes, "A pound of prevention is worth an ounce of cure." Preventative care has been proven to reduce the overall cost of healthcare. When people seek medical attention when health problems are still small, treatment costs less and is more effective. The opposite is also true. When more people wait to seek medical attention until they are sure that they need help, the severity of the health problems usually increase. Treatment costs more and is less effective.

Will I be subsidizing the medical care of unauthorized immigrants?

No. 1PLAN will cover U.S. residents. We take the position that unauthorized immigration is different issue that needs to be addressed separately.

What does "single-payer" mean?

A single-payer health insurance system has one health insurance company that receives payments from all U.S. residents and reimburses all health care providers. This greatly simplifies the health insurance system and reduces bureaucracy and costs. 1PLAN is a single-payer system.

What can I do to make 1PLAN a reality?

Please look at our take action page. You can also go to our donate page to donate money to One Health Insurance Plan Makes Sense or other organizations that advocate for national health insurance.