A healthcare proposal that makes sense for everyone
Medisense is a policy proposal for a public option designed from the bottom-up to fix our broken health insurance system
Medisense is a policy proposal for a public option designed from the bottom-up to fix our broken health insurance system
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Anyone can opt-in to the public option and pay income-based premiums for comprehensive medical, dental, vision, and drug coverage. Members can choose to remain with Medisense across employers or employment status.
Medisense issues members a vouchers, tied to the distribution of reported prices for the procedure, where the exact percentile depends on the member's chosen voucher tier. Vouchers replace copays, deductibles, and coinsurance entirely.
Members use the Medisense app to access accurate pricing and quality information at their fingertips. Members can go to any provider and are protected from surprise bills. Simply present the digital voucher and receive care.
If a provider charges above the voucher value, the member pays the difference out-of-pocket. If a provider charges below the voucher value, the member earns a portion of the savings into their HSA account.
Report your prices for each procedure annually. There are no rate negotiations or network designations. Medisense monitors for anti-competitive pricing and may set ceilings in low-competition markets.
Medisense members actively shop based on price and quality ratings. Lower administrative overhead and an even playing field means small providers can compete head-to-head with large hospital systems.
Members present their digital voucher and Medisense handles payment. Payment is streamlined and predictable.
Medisense mandates price transparency, eliminates network designations, and regulates prices in noncompetitive areas for its members. Medisense maintains a price and quality database and makes the information accessible to members.
Private employers are incentivized or required to offer Medisense alongside other plans and to subsidize premiums at the same rate. Members can choose to stay with Medisense for long-term coverage.
Medisense is self-sufficient with collected premiums, but requires additional funds for income-based subsidies. Existing Medicaid funds and health program funds can be redirected to support Medisense subsidies.
Voucher tiers, subsidy scales, and price ceilings are all tunable. Medisense is designed to be adaptable to different political and economic environments.
Price transparency and voucher-based payment empowers members to shop around. Independent providers can compete with large hospitals on price and quality, lowering overall healthcare costs.
When coverage is de-linked from employment, workers can freely change jobs, launch startups, and take risks without fear of losing healthcare.
Long-term membership gives Medisense a financial incentive to invest in preventative care — because a healthier population means lower costs over time.
Continuous coverage reduces gaps in treatment for mental health, addiction, and chronic illness — lowering downstream costs tied to emergency care and homelessness.