There's private options, talk of a public option, how about a suicide option?
The suicide option health plan would most likely be private. It would be a lower cost insurance plan with a low lifetime benefits ceiling. For instance possibly $100,000 lifetime benefits cap. If bills added up to over $100,000 during one's lifetime, the plan would stop paying and dissolve.
A low lifetime ceiling would save money so the plan could offer more affordable premiums and still cover lower end medical expense. Deductibles and co pays could be figured into the plan also.
If no other source of money could be found after the plan dissolves, such as government assistance for instance, and major illness persists, a painless suicide would be recommended.
Laws would have to be changed so suicide could be an acceptable suggestion.
Also sounds libertarian.
Just something to ponder? I'm not necessarily advocating this.
I prefer some sort of safety net where income can be transferred from the more wealthy to subsidize a better form of affordable health plan for those who can't afford market insurance rates.
Also, of course, healthy lifestyles and lower medical expenses across the entire population. Otherwise lots of people will have little choice beyond something like the suicide option.
Are we on our way toward some sort of suicide option without intentionally planning it if nothing is done to reform the current system?