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Issue date: 12/4/08
News & Features

Hopkins experts propose universal health care

Researchers visualize universal health care for Maryland

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"Once I graduate and my parents stop paying for my health insurance, it'll be great to have universal health care in Maryland," freshman Aisley Amegashie said.

From the MDHCFA pool, small business employees would be able to choose a private policy that fits them from a variety of options.

"[Employees] who wish to elect a basic plan could choose between lower cost sharing versus fewer restrictions on care to match their preferences, and employees who wish to obtain more generous plans with lower cost sharing and fewer restrictions on care would pay the additional costs for those options," according to the Report.

The coverage would protect the insured citizens from extremely high medical bills with an automatic 10 percent drop from everyone's premiums once they sign up.

"This new plan allows our friends, family members and neighbors who are uninsured to get much-needed coverage," DeMarco wrote.

Furthermore, small businesses would also be beneficiaries of this plan.

While employees could choose to stick with their current health insurance, MDHCFA calls for the creation of a government-like insurance pool that would offer medical health coverage for small business owners and employees who don't have insurance or want to change their policies.

"Too many businesses right now are having trouble keeping up with escalating health care costs," DeMarco wrote.

According to the MCHI Report, the plan ensures that despite financial difficulties, certain procedures will always be covered.

"Maryland Health Insurance Pool merges individual and small group markets."

Its purposes are to "serve as a clearinghouse for individual private insurance companies," to cater to small businesses and to regulate which basic benefits should always be covered in an insurance policy for employers and employees in small businesses.

Public Health Professor David Bishai, who is not directly involved with the plan, agrees that MDHCFA is a sound health care plan.
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