This Initiative is written straightforwardly in common language for better understanding; many sections have some commentary, they will be eventually removed; also, all sections are  summarized to promote main points.

At the appropriate time, it will be interpreted into legal language demanded by state laws governing the Initiative Process.

That will take place before submittal to the proper state authority prior to petition and electoral promotion.

The Method is the Message!

FARE HEALTH CARE

Health Care Reform Initiative

Equal and full access to Health Care in a Free Market is a Foundational Right!

Health Care Reform Initiative Fare Health Care Provisions

Fare Health Care shall be administered and enforced by the proper authorities as stated further on in this Initiative.  Once enacted, the Reform shall provide anyone with equal access to health care through established “Deductible Health Insurance” or a deductible cost at an individual’s personal expense. After the established deductible limit is reached, then the established Catastrophic Health Care Super Fund shall become operative to cover longer term treatments or costs that will override  “Deductible Health Insurance” or a deductible cost at an individual’s personal expense. It must made clear that no one shall be refused health care at the catastrophic fund level. Health insurance carriers may deny deductible; supplemental policies may be offered at higher premium rates, but, such plans must be offered at affordable rates based upon income levels involved. Should such policies lapse for failure to pay premiums reasons, then the health insurance provider will have a payable claim upon benefits, estate or property. No family members will be held personally liable for the debt from a lapse except as related to inheritance or shared property, and if necessary, an affordable payment plan must be offered based solely upon income level. Any life insurance payments to beneficiaries shall be exempted.

Provision A: Collection and Distribution of Fare Health Care Funds

Section A1.

Sub Section I.

1. The Catastrophic Health Care Super Fund shall be based upon the size of the California population and current private and public insurance plans as a baseline measure of those insurance plans revenues alone; both private and public plans for Deductible Insurance shall include a 10% surcharge on the annual premium amount, paid monthly divided by 12, whether for-profit or non-profit; this surcharge shall be added to the Catastrophic Super Fund. For those individuals who do not have Deductible Insurance policies, it shall be their tax obligation to pay mandatory contributions to the state treasury; if it is not paid, it shall be their debt to pay or have garnished until an equivalent amount equal from the start date of this Initiative, again, paid annually divided by 12. In the absence of a Deductible Insurance plan, the mandatory contributions to the Super Fund shall be based on a state citizen’s or state resident’s gross income of no more than 5%–this shall also be applied to personal incomes above $1,000,000 annually after taxes are paid. This contribution of 5% shall be a mandatory fee/tax paid into the The Catastrophic Health Care Super Fund established by the California Treasurer, collected and enforced by the California Franchise Tax Board. The collection of said funds shall be done in this manner:

A1-A. The practical applications of this aforementioned 5% fee/tax are more fully defined and delineated in Provision B below; actual expression for the number of insured per specific amounts to gross revenue is defined in Section B3 of Provision B below as well.   Fare Health Care funds shall be used for no purpose other than Fare Health Care.

A1-B. Deductible plans shall constructed within this Initiative along the lines of a tiered plan as follows: Those with  wealth above $1,000,000 shall pay at an increasing prorated scale of 1% per $1,000,000 of net worth within the parameters of readily accessible income, including any material yet non-cash wealth; put more simply, income that said persons could readily draw upon. If necessary, a court of law may adjudicate qualifications or a  Fare Powers Reform Commission can address such questions through legislative demand. The purpose of this tiered plan is to promote affordability and manageability for all concerned.

Section A2.

Sub Section I.

1.     Ninety (90) days prior to the Fare Health Care start date, which shall be no later than ninety (90) days after its enactment, along with the 10% surcharge, the 5% Fare Health Care fee/tax funds shall be paid into the Catastrophic Super Fund established by the California State Treasurer for that sole purpose and collected by the California State Franchise Tax Board — enforced by existing tax collection laws which are appropriate.  The  California State Treasurer shall in turn have authority to disperse those funds to the proper health care providers who are providing verifiable catastrophic medical treatment according to regulations established by this Reform: the Fare Health Care Initiative.  

2.     Except as stated in Section A4, Sub-Section I. paragraph 1., the budgets of these two respective agencies shall be increased as needed only by current budgetary means and not directly from the Fare Health Care fee/tax fund, nor by any administrative or set aside type fees; also, if necessary, in the professional judgment of these two respective agencies, they may charge the agencies receiving Fare Health Care distributions a surcharge of no more than 1% — this surcharge can only be changed by electoral, judicial and/or legislative means; they may also directly collect delinquency fines under current tax law for the enforcement of this Initiative.  The 1% surcharge is intended as an inter-agency and inter-organizational offset–this offset can used to hire additional help within the said organizations to administer and maintain related accounts. Their share of Fare Pay associates will apply as well.

3.   Health care and health insurance laws currently in place shall be aligned as needed with the scope of this Reform or be realigned through electoral initiative, judicial or legislative means.   Appropriate current laws regarding health insurance shall be adjusted as needed by local health agencies and not solely the purview of state agencies. Health insurance premiums shall remain in place until such time as this Reform makes said premiums no longer necessary.  Judicial, legislative or the Electoral Conscience shall decide this if local or state health care agencies are unable to do so, but said premiums shall not exceed 3% of income from the middle classes in any event.

Section A3.

Sub Section I.

1.   As is in the other Fare Powers Reforms, citizen dominated commissions are absolutely essential to the successful consummation of all Initiatives.  They shall be comprised and operated as stated in this section further on. 

2.   While a given commission shall have no authority to legislate law they will have power, at any time they meet, to possess the authority of legislative demand, meaning: by majority vote, they shall have power to force a vote by appointed or elected officials on their presented written legislative demand; but, that will only apply to their given local level meaning the number of commissions per population ratio.  As stated above, their essential nature is profoundly straight forward because they shall be closest to the people in order to promote the public good in the broad spectrum of socio/economic freedoms.

3. Commission meetings shall be open to the local public within that commission’s jurisdiction to provide a forum for public concerns or grievance in regard to health care issues. It can be either a letter to be read or in person; speaker card–speakers are allowed 5 minutes each–either must be given to the body elected Chair at the beginning of the meeting. Venues for commission meetings shall be provided through voluntarily donated private spaces, or more likely, available public buildings having indoor spaces with capacity large enough to seat commission members and to allow observers and speakers as needed. Said meetings shall be held after business hours with a length of time brought up by the chair and voted on by voice. After a mandatory service of one month, a meeting chair shall serve at the pleasure of the commission body and determined at that time by anonymous paper slip vote after discussion of reasons why for staying in place or replacement. If not, chair will continue to serve on a month by month basis if voted by majority.

4. Robert’s Rules of Order shall be used by all commissions across California; the chair shall remind members of said rules before any business is brought by commission members to be discussed for no more than 20 minutes as ruled by the chair. Questions may be asked by/of the Chair, who shall decide after no more that several questions to call for a vote. If determined by a majority of members after a vote, indicated action maybe taken in agreement/disagreement with the Chair. 

5. In this context, all issues must be confined to health care concerns or issues. Commissions shall meet no more that once per week and may have an issue question put on the calendar for future consideration. A commission quorum shall be three quarters of 36 and may meet and vote with that quorum. A selection of new member(s) shall be done if a vacancy occurs by either agency appointment or random selection. And, new commission members shall be selected after one year if insufficient numbers of volunteers permit; if not, then serving members may be asked to volunteer for another year. 

6. Security shall be provided by at least 2 local law enforcement officers–on duty or volunteered. Any member or member of the public in attendance of a given commission shall conduct themselves in a civil and decent manner that is not disruptive or intrusive; depending on the circumstance, they shall be warned by the Chair, calmed by Security and fellow members, and may be asked to leave, or if necessary, be subject to arrest for disturbing the peace, including any or crimes committed.  

7. As in the other two Fare Powers Initiatives, the only legislative authority shall be Legislative Demand–Legislative Demands here are defined as: a comission designed and voted, clearly stated summary legislatively acted upon as an amendment to a law. A given commission shall be able to make said Legislative Demand at the local level and be answered by the local legislative body within 30 calendar days via a floor voice vote; at the state level, it shall only require in any case a simple majority of one vote, among all of the  Commissions within California, to compel the state Legislature to answer that demand within the prescribed time of no more than 60 days via a floor voice vote. If governing bodies fail to act within the allotted time frames, and there is no provable reason for failure to act, then a given commission may seek legal assistance for adjudication; if a trial proceeds, the governing body named as defendant shall be responsible for the plaintiff commission’s legal fees; not only initially, but through all levels of appeal until final judgment is reached. Both parties may seek an out of court settlement which must be approved by commission vote, governing body defendant approval and approved by the sitting judge. Commissions or any of their members shall not be held libel for said commission legal actions. 

8. For every given area of no more than 10,00 residents there shall be one local Commission; for larger areas, there shall be a single commission for every 10,000 residents, for example: in a concentrated, high density population of 1,000,000, there would be 100 commissions. A single commission shall be comprised of no more than 36 members. Thirty four of that membership shall be selected by random drawing from a pool of volunteers who submitted their information as registered voters and the ability to speak and understand English–an unbiased method either computerized, digital or by hand shall be designed and implemented by a local city or county clerks offices within 30 days after passage of this Initiative. The local government shall appoint two commission members from either planning, pubic works and city attorney’s office, or if their inhouse pool is not large enough, others may be appointed either inside or outside of local administrations. They too will have a commission vote and will receive a stipend approved by the appropriate governing council.

9. Issues of consideration shall be structured following these guidelines of discussion, then voting within a commission meeting: Said commissions shall vote anonymously by a blank voting slip, counted by a randomly selected commission member and recounted again by another to verify and yet again if any member questions a count. Simple majority shall rule. All Commissions shall have the right to not only communicate state wide, but shall also have the right to form alliances and coalitions of legislative demands with other commissions and other unifying information to further reinforce this Initiative. 

10. Commissions shall have authority through Legislative Demand to enforce fraud provisions, or a variation thereof, within this Initiative–also as in any of the Fare Powers Initiatives–to address issues brought to their attention by the public at their meeting(s).

Commissions are major pillars within each of one of the Fare Powers Initiatives to serve the People of California. Fare Health Care is of obviously of massive importance. Without this type of Commission structure, Fare Health Care cannot fully serve its intended purpose to bring the best affordable and efficient health and preventive care possible to the People of The Golden State.

Provision B: Balanced Funding of Fare Health Care 

Introduction for Funding Justification and Mechanisms.

It is important to point out at the beginning of this Balanced Funding Provision — within all fee/tax supported Fare Way Initiatives for the Fare Powers reforms — that the following funding justifications and mechanisms, as well as the premium amounts used above, are illustrative overviews and yet are detailed in specific ways to establish long term effective and efficient funding foundations; further on will be illustrative efficient funding overviews for the Fare Health Care Initiative. 

Therefore, be it recognized that any number values being used here are only temporary or transitory, for those number values will change or evolve, increasing exponentially as they inevitably will with the disciplined maturing of  Free Market Populism approach to health care, guiding the evolution of Economic Freedom for the mental and physical wellbeing of as many of the population as possible!

Section BI

Sub Section I.

1. The following stats are for mathematical illustrative purposes only to demonstrate mathematical viability. Therefore, they offer solutions which will provide better healthcare in much more inexpensive and manageable ways involving frontline general practitioners, specialists and/or longer term care facilities. For long term care facilities, annual deductible insurance plans, including the tiered deductible plans stated above for wealthier Californians, will be used for each individual patient with the use of supplemental  Super Fund payments approved by commissions locally and throughout the State level and local governing bodies.

In 2020, 405 Billion was spent on medical care. Population was nearly 40 Million. 405 Billion divided by 40 Million equals just over $10,000 per resident. Average health insurance cost was $7,470 single and $21,342 per family. 5% account for 50% of the cost for catastrophic care. 2 million accounted for roughly 203 billion of medical costs. 203 billion divided by 2 million equals $101,500. 50% cost used by 5% of the state population speaks for itself. Use of percentages can better reflect actual changing costs over time. That being so, this catastrophic fund cost number will lead to the deductible plan contributions and no deductible plan contributions–both of which will be mandatory contributions to the Catastrophic Super Fund for all–demonstrated by these simple illustrative equations–simple math can and will provide profoundly simple answers:

1. In this first example, since 5% accounts for 50%, it will be necessary to address the smallest population percentage yet most expensive cost first. Focusing on this largest cost first is absolutely not only for humane care reasons of the most medically vulnerable, but to maintain a strong catastrophic health care fund annual surplus. This is an example variation of how that is equated: At an average of $101,500 divided by the population of forty million would equal roughly 26 cents average cost per resident. The catastrophic cost of 203 billion divided by forty million equals an annual cost of  $5,075, divided by 12 equals $423 average per month–this amount is costly considering most of the population would find this financially burdensome, and would be difficult to work out and pay for at each individual level. 

A better measure that is more workable is of the state GDP, which in 2022 was about 3.59 trillion; this will be united with affordable private contributions or insurance premiums for both individual deductible plans and of course the Catastrophic Super Fund, also, charitable donations will be a full state income tax credit up to 10% of personal tax liability, and through the law of this Initiative, will be considered a deduction as allowed by federal tax laws.

In this most workable approach, 10% of GDP will be the starting point.

Here is why GDP, linked to private and public sources, are better and more workable solutions: 10% of 3.59 trillion dollars of GDP is roughly 360 billion dollars, way more than enough to cover the 50% cost from the 5% who use catastrophic care which is 203 billion dollars; the other 95% who account for the roughly  203 billion dollars will easily cover that through deductible insurance premiums allied with the remaining 157 billion dollars from the 10% of 3.59 trillion GDP. Therefore, this mathematical example clearly demonstrates the viable affordability of this Fare Health Care Reform.

Section CI.

Sub Section I

The Catastrophic Super Fund, deductible insurance plans and non-deductible choice shall be directed, funded and operated in these ways:

1. Base line deductible level shall begin at the $30,000 mark for individuals and $60,000 for families–both level types will provide a comfortable financial margin, particularly for households with  the age of under 18 members. Basic care premiums shall be adjusted and calibrated at a per month starting level of $100 for individual plans per single adults and $200 per family unit; that level of basic care premiums shall increase by $50 per $10,000 up to the respective levels which ends where the Catastrophic Super Fund begins. Basic care is defined as emergency and regular medical visits as well as needed prescriptions being filled; all of these definitions apply whether privately or publicly paid. Non-essential care, aka elective care, shall either increase premium cost or be paid privately. 10 percent of these elective care premiums shall be paid directly into the Catastrophic Super Fund. The above premium guesstimates are reference starting points only. If the state population is 40 million, then this equation would apply for funding of this method only: 40 million times an average of both family and single deductible rates is $300= 12 billion dollars per month times 12= 144 billion dollars per year. 10% of that 144 billion will be 14.4 billion towards the catastrophic fund.

2. The equation for this funding is as follows: After the minus of the remainder of GDP subtraction of 157 billion from 203 billion in catastrophic cost, results in 46 billion divided by the remaining 35 million not using catastrophic care, therefore totaling an annual add on value of 46 billion to the Super Catastrophic Fund. Granted, in effect, these numbers are GDP dependent through the 5% sales tax of state GDP. How much is affordable reformed health care costs worth, especially when funded in a fairly applied additional sales tax united with other equally applied and fair funding mechanisms?

3. As stated above, in the absence of a Deductible Insurance plan, the mandatory contributions to the Super Fund shall be based on a state citizen’s or state resident’s gross income with a surcharge of no more than 5%–this shall also be applied to personal gross incomes above $1,000,000 annually–whether or not they have a medical savings account or its equivalent, or whether they have a deductible plan. As of 2021, there are 288 thousand millionaires in California. Again, this contribution of 5% shall be a mandatory fee/tax paid at the higher income levels stated, contributed into the The Catastrophic Super Fund, even if a health care related savings account, deductible plan or some variation is present or not. This numerical value is not established, therefore, it will remain a surplus factor once established in actual practice. In the absence of state residency, this mandatory millionaire 5% surcharge will be in place based upon income amounts above one million dollars that are generated within California. Millionaire and above monies outside of the state is currently not known and are not relevant; yet the known amounts generated in state will be a known value added when the California State Franchise Board determines those amounts after enactment of Fare Health Care. The minimal illustrative equation for this section is: using an average of $10 million times 288 thousand millionaires at 5% equals, $144 billion.

4. In addition to any funding methods stated in this initiative, a 5% sales tax shall be added to any public commercial purchase or transaction; private transactions shall be exempt from this additional sales tax below $10,000; this value is also unknown, therefore, it too shall be kept for surplus and added at such time it is established in actual practice. For the purposes here, the equation used shall be 5% of California GDP, which is: 130 billion dollars.

5. In this funding sub-section, the roughly 156 billion dollars recently allocated by California for health care shall be used as a numerical value aimed at the total funding level for Fare Health Care reforms, of which, a 50% use shall be for the Super Catastrophic Fund; 50% use shall be for deductible insurance support. 

6. An important part of this Initiative, to compel and enforce competition and honesty, will be written into the force of law as part of this Initiative, is to hold boards of directors and executives civilly and  personally financially libel for dereliction of duty to provide insurance coverage payments and will be financially based outside of bankruptcy laws, governmental executive orders or fiat. Other related criminal laws will of course still apply. Of strong importance, no financial damages shall be awarded, including garnishments or liens placed, for medical debts not paid through the Super Catastrophic Fund; providers shall be able to use such debts as a tax write off however.  Also, as part of the Catastrophic Super Fund, Commissions, by simple majority vote, can vote to have certified health care providers to receive monthly payments based upon the size of their practice and/or services provided. This special fund shall be 10% of the Super Fund and will be for the sole use for those purposes–these specific monies shall be used for no other reasons; only the Electoral Conscience shall have final say to amend matters.

7. Listing of illustrative funding levels directly above for health insurance alone by numbered sections: