What Do You Mean???

Let us say for example you are a young female with a middle income and you contribute the maximum tax free $3000 per year towards your HSA. You have a catastrophic health insurance with $1500 yearly premium that kicks in when your health expenses exceed $2500 per year.

Under my plan you only pay a yearly capitation fee of $1500 to your PCP that comes from your HAS. This is all you will pay and your PCP will cover you for catastrophic illness under the group insurance the PCP has purchased for all members registered in his practice. You will NOT pay for office visits to your PCP clinic, to any referrals to specialists he may advise or to any lab works and/or procedures. In other words the $1500 you pay initially will cover you for all your health needs.
The only instance you have to pay in access of the $1500 you initially paid is when your health expenses exceed is the $2500 deductible and you are admitted to a hospital. You pay the $1500 of the deductible from your HSA savings, if this is the first year you are in the program. The balance of $1000 will come from your personal account. This is only for the first year, the second year you are in the program you would have accumulated $3000 in your HSA and all the $2500 deductible for a hospital admittance will come from your HSA account.

Critics will say why should individuals be allowed to save $1500 a year if they are not admitted to a hospital? The answer is the HSA account is also needed to purchase medicines and dental expenses not included in this program I suggest.

Obama's Healthcare Plan

It is a disappointment to say the least. I do not understand why a brand new plan to reform Healthcare does not incorporate in it the elements of the present Healthcare system that works well today.
Why is President Obama trying to reinvent the the wheel??