Another health care proposal

OK, I realize health care reform has become a tired subject but I must address it again. I still believe the root cause of all opposition to reform is money. The insurance industry is afraid of loosing profits. People who have health insurance are afraid they will have to pay more. Legislators are being pressured by money to support the opposition. Rich people (compared to me) are too greedy to pay more taxes. Doctors are afraid the Government will set prices for services. Drug companies are afraid of loosing research subsidies. All in all it is just money and greed.
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Here is my proposal. I realize no one asked for it but you’re getting it for free so don't complain.

The current health care system has the following failures:

The costs are steadily increasing and each price increase eliminates some people from access.

Even employer-provided insurance plans are increasing in cost; both for the employers and the employees.

As plan costs continue to increase increasing numbers of employers are forced to stop providing health care for employees.

Millions of people with chronic conditions are denied coverage even from employer-provided plans.

Disguised costs such as increased co-pays, higher deductibles, and coverage limits are being used to keep front end premiums down by adding the costs to the insured’s back end.

If you are happy with your current plan it is going to cost increasing more to keep your current setup. Sooner or later the cost will exceed your ability to pay or the plan will change in ways you can’t tolerate.

The problem of someone choosing your doctor instead of you is already part of your life. How many of you have to pay more to see a doctor “out of your network”

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Government alone has the power to fix this. There is no possible fix from the private sector.
We need a health care tax. This can take several forms but the purpose is to finance a public option.

The public option will cover people who for whatever reason are not and cannot be covered by private insurance – either by employers or privately funded. This means all the high cost patients can be eliminated from private insurance coverage. Private insurance premiums can be drastically reduced. Employers whose insurance plans deny coverage for certain employees will have to pay the equivalent premium into the public option fund. What this does is reduce the premium costs to businesses while keeping everyone covered. Private insurance providers will be able to tailor coverage to their clients’ needs. A standard will be developed for plan coverage where highly restrictive plans will be taxed at a higher rate than more inclusive plans. This tax will also be part of the funding of the private option.
Drug companies can and should do without any government subsidies.
Agreements between coverage providers and service providers for reducing costs will be encouraged.

This is just the basics of my proposal and there is nothing here I have not said before. I just have to say it again.