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Republican Healthcare Alternative

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ROOPA: Responsibility for One’s Own Products & Actions

By Raghu Giuffre

Our ROOPA program is the kind of alternative healthcare proposal Republicans are looking for. Here’s the outline are we presenting to them via our network.

4 reasons Republicans will love ROOPA.

1) Gov’t Saves $7 Trillion

2) New Trillion $ Industry

3) Market Driven

4) Recast Ideology

Premise:

· ROOPA has each person or company cover the full social cost of their products and actions.

· 50% of all medical cost is lifestyle related. If we each covered the cost of our own lifestyle, we could reduce medical cost by this same 50%.

(The Social Cost of alcohol for example would be all the cost associated with drunk driving, extra cops, spousal abuse, psoriasis of the liver, prison and court time, etc.)

*. *. *.

Prospectus

We give 3 examples. Each industry uses a different approach to resolve their social cost:

Alcohol – spending 10% on effective rehab programs offers a potential savings of 75%.

Tobacco uses consolidation to cut prices in half while tripling service.

Obesity –10 cent fee on junk food may cover all their social cost. This begets universal healthcare coverage of all obesity related service – for free. It also formalizes their 100 million ‘clients’ into a partnership of good health and grand bargaining power over insurance companies.

ROOPA has 8 primary benefits:

1) Corporate Responsibility

ROOPA is a new economic platform for industry to develop enterprising ways for tackling their own social cost. The examples outlined here show how industry led reforms can prove more cost effective and offer better service upgrades than otherwise possible in today’s gov’t tax and penalty system.

2) $30 Trillion in Savings

These 3 lifestyle sectors carry $7 trillion worth of cost over the next decade. This is from just 3 of them. The combined cost of all lifestyle sectors may run $30 trillion over the next 20 years. All this liability would be removed from both gov’t programs as well as our private insurance plans. This lifestyle cost now makes up 50% of our medical bills. Removing lifestyle should therefore reduce tax and insurance premiums by this same 50%.

3) New Trillion $ Industry

Much of this lifestyle cost is presently covered by gov’t programs. ROOPA transfers this over to our new Lifestyle Insurance market. We have ourselves a new multi-trillion dollar insurance industry – over night.

4) Joint Ventures

ROOPA builds a partnership around health between consumer and company. It does so again with joint-ventures between industries of similar social cost issues. We beget the next generation of medical breakthroughs, larger budgets and grand new opportunities. Maybe best of all, industry is refocused over to effective healthcare remedies rather than regulatory loopholes.

5) Free Market Balance

This step also activates the best of the free market balance by placing industry in direct negotiation with insurance companies rather than gov’t serving as the middleman between these two market forces.

6) Corruption Cut

Gov’t is recast as judge and jury rather than dispenser of royal favor. Handing this social cost back to industry removes much of the political corruption founded in the money behind royal favor. No money, no more royal favor. Removing this corruption provides new market efficiencies for another 20% savings.

7) Economic Democracy

Abolishing royal favor was the whole point of American democracy. ROOPA brings this democracy to policy and economics at long last. Welcome to Economic Democracy.

8) Non-Partisan

Republicans get their deregulation and free-market play. Democrats have their corporate accountability and the social justice of fully funded programs.

In summary, ROOPA may reduce taxes and insurance premiums by 50% while doubling services, freeing up gov’t budgets, cutting out political corruption and starting a new multi-trillion dollar industry for a true free market system based upon fair and effective performance.

*. *. *.

Part 1

How it Works: 3 Examples

Alcohol

Alcohol runs about $200 billion a year. Up to $150 billion is due to alcoholics. They only make up 4% of all drinkers, but represent nearly 75% of the entire cost. $15 billion geared to rehab programs could potentially save us $150 billion a year.

(This means a 70% savings while improving services - or rather, savings through improved services. ‘A pound of cure is worth a ton of ills.’ Rg More specifically, a general rule of the thumb is that rehab programs save $10 for every dollar spent and so with this metrix, $15 billion can potentially save us $150 billion. This would drop the remaining social cost per beer to just 7 cents a can. No other federal state or local taxes would be applied outside this social cost premium. Why would gov’t forgo this revenue? Explained shortly.)

Obesity

· Universal Healthcare - Free

Obesity runs about $200 billion a year. Say this comes to 0.10 cents for every hamburger, soda-pop, ice-cream and French fries. It’s paid at POS: Point Of Sale.

It’s the world’s most affordable health insurance. Just 10 cents.

Democrats get their ‘universal healthcare’ for all obesity related service – for FREE.

But, this is not a tax. This is an insurance premium.

Insurance has 7 advantages:

1. Real Time Pricing

Premiums are set by private insurance companies, not Washington.

(Insurance is priced in real time. Gov’t can take decades to make such adjustments.)

2. Refunds & Market Rates

If cost rise, so does the premium. (Gov’t mastered this part.) However, when prices drop, it’s ‘refunded’ to the consumers.

(Republicans get their tax breaks. No ciphering ‘extra’ surplus over to other programs.)

3. Lock Box

If Federal, state and local gov’t’s all went bankrupt today, your car insurance is still paid. Insurance is more financially sound and holds steady as an independent funding source.

(As deficits explode and budgets implode, Democrats are finding a shrinking pie to sponsor favored programs. ROOPA creates a Lockbox for each program. They will be spared budget cuts and bypass the instability of falling gov’t revenue. Budgets (for smokers, alcoholics and the obese) are no longer raided. These programs will have plenty of money, great savings and better service.)

4. Accounting = 20% Savings

Insurance has tighter accountability and reporting rules, offers clearer financial mapping and better insights to cost efficiencies. Streamlining budgets will reduce bureaucratic liabilities and improve performance for a 10% to 20% savings. This adds up to trillions.

(Gov’t budgeting is a maze of mix & match programs shifted between parties, special interest, pet projects of little relevancy, duplication, facades upon ineptitude and massive fraud. Once combined, true accountability is all but impossible. ROOPA cuts through this political distortion by removing this money from state coffers and handing it back to the respective industry to resolve their own social cost.)

5. No Middleman

Washington no longer plays middleman between revenues, insurance and the soda companies. Insurance companies now work directly with the food and beverage industry.

(Two industry giants face-off in direct negotiations over treating obesity. This matchup activates the best of free market forces. Much of the gov’t corruption is found in playing middleman. ROOPA replaces this corruption with insurance. Few other reforms could ever get ‘money out of politics’ like this one step of the ROOPA formula.)

6. Market Balance

Each industry would manage in partnership with (and as a counterbalance to) insurance. This introduces natural market balance missing from today’s healthcare reforms.

(This peer to peer negotiation empowers industry to finally take full responsibility for their own social cost. They are negotiating with insurance companies rather than politicians. This shifts the focus to cost efficiencies rather than politics as we have when gov’t stands as middleman between revenues, industry and insurance. This process replaces much of the lobbyist role and systemic corruption built-in with this model of gov’t middlemen.

ROOPA offers the deregulation pushed by Republicans while capturing all the accountability demanded by Democrats. Gov’t is recast as judge and jury rather than as dispenser of royal favor. Abolishing royal favor was the whole point of American democracy. ROOPA brings this democracy to economics at long last. Welcome to Economic Democracy.

Gov’t is better at tracking other people’s money and behavior than they are their own. Few things have gov’t look after money better then when it belongs to a third party. Then suddenly, gov’t becomes all manner of accounting experts and pricklers to detail and performance. ROOPA employs this tendency by handing the money back over to the respective third parties. Now, all gov’t is left to do is make sure each party covers their social cost and plays by the rules.)

7. Larger Pool, Smaller Liability

The Food and Beverage industry has a massive clientele base with a very specific set of health issues. 100 million clients. A half dozen ailments. Hundreds of millions of products with hundreds of billions of items sold to supply their revenue base – hence just 10 cents per item. ROOPA formalizes the working relationship between industry and consumers for a new level of involvement never before possible under gov’t regulation.

(ROOPA is a platform for a new partnership between consumer and company. It’s geared around better health rather than consumption alone. It recreates the kinds of teamwork we see of insurance working with clients to reduce risk and cost. Companies will collaborate with such efforts as the forth leg of this platform: customer, insurance, company, gov’t. This presents a world of new prospects.

Example, the sheer number of members presents a host of cost efficiencies we won’t find with the employer benefits model. Employee coverage is made of small pools of workers with hundreds of different health issues. Employer based healthcare is unwieldy as compared to Lifestyle Collectives.

Another example might be incentives on gyms, weight loss programs or after-school sports with funding and pricing that can dramatically expand public participation.)

Tobacco

· Half Cost; 3 x Service

Tobacco’s estimated cost - $100 billion a year.

That’s a trillion over the next decade.

ROOPA suggest this now be part of a single trust fund.

The tobacco industry would take this $ and approach providers.

Say they partner with Kaiser Permanente.

They offer Kaiser $600 billion.

The stipulation: 3 times the service.

We now get 3 times the service for half the price.

· $4 to $2

$100 billion social cost comes to $4 per pack of cigarettes. ROOPA can reduce this cost by half (with the Kaiser Contract). This drops the cost from $4 to just $2 per pack. ROOPA would pass this savings on to smokers while providing them 3 x times the health-coverage.

(Nationally, an average pack sells for about $4.50. Trends are for higher taxes. Much higher. Hawaii runs $7 to $8. NYC can go for $11 per pack. With ROOPA, NYC cigarettes would fall from $11 down to just $2. Better healthcare is the first reason why NYC would be willing to forgo those added revenues. Other reasons - explained below.)

· 50 Million Members

Kaiser membership would jump from 10 million to 50 million – overnight. Can Kaiser deliver? Maybe, but try they would.

· Savings Refunded

The savings are the central step of the entire process. The tobacco industry has a $400 billion dollar incentive to reduce their social cost. ROOPA provides these savings through healthcare improvements rather than regulatory shortcuts. This leaves the tobacco industry gearing the full power of their resources to finding remedies rather than beating regulations.

(Today’s high taxes kill such incentives. For gov’t, why mess with a trillion dollar cash cow? For tobacco, why bother improving healthcare? No savings. Not surprising, this remains the one area of medicine with few healthcare improvements over the last 50 years of treating smokers. ROOPA can change this using savings as the incentives for better healthcare. This savings side is so critical to winning commercial partnership.

Examples: Smokers who start after 20 and quit by 35 reduce risk by 90%. Reducing (expectant) mothers from smoking along with other second hand smoke cuts out another slice of smokers cost. Just a couple simple steps can deliver big savings. This leaves tobacco targeting all the same areas gov’t was trying to achieve through regulation. Tobacco can do a better job because they are working at the ground level of the operation.)

· Fair & Efficient

Today’s coverage is structured with smokers paying 4 times the social cost, for a third rate service, that compromises the rest of our healthcare system.

ROOPA fixes this. ROOPA first removes smokers cost burden from our general healthcare. This improves our healthcare system in general. ROOPA then provides NYC smokers with 3 times the healthcare service and does so for 80% less cost to them.

(A NYC resident pays 3 times the social cost per pack of cigarettes ($11). These taxes are spent on most everything but smokers. So they pay another $3,500 a year insurance penalty. This insurance does not cover the full cost of treating smokers. The rest of our healthcare is cannibalized to cover them.

ROOPA solves these failings by channeling all funds over to treating smokers - exclusively. This begets better healthcare for better pricing and true fairness at last.

This upgrade is found in replacing gov’t with the tobacco industry. The transaction is narrowed down to the industry, consumer and provider. Gov’t may take a little something off the top (15%). They may even regulate the terms of the sale (age 21 etc). However, gov’t no longer sets the price, collects the taxes or divvies up revenues to healthcare providers. All this would be handled by the tobacco industry.)

· Judge vs. Manager

Leaving money with the tobacco industry has all the incentive for gov’t to beat up on companies falling short on healthcare delivery. Gov’t is better suited at tracking others money and mistakes than they are their own. Gov’t is just makes for a better judge than manager.

(Here’s the downside to gov’t having the final say in how funds are to be dispersed. There’s political favor and incompetence, but more so, they have every incentive to cover such ineptitude rather than correct it. As such, the very nature of gov’t funding simply does not compare to gov’t as judge and jury with others ineptitude. They do a great job going after others failings as compared to their own.

ROOPA taps this natural tendency and gears it to meeting the very same reforms gov’t hopes to achieve. These are not done as proficiently so long as gov’t is THE ONE implementing the reforms. The issue is not about how good gov’t is as a manager, but rather, how much better they are as judge. The question than is how much is that role compromised when gov’t is wearing the second hat as manager. Of the two, the role of judge is not only more important, but may only be as good as the gov’t is not the manager.)

· Winners: Everyone

Ø Democrats get AFFORDABLE, top-of-the-line, medical service. They also get their prized universal healthcare. It even covers ‘pre-conditions.’

Ø Republicans get tax breaks and market based healthcare. Trillions will now be removed from gov’t programs and handed over to the private sector.

Ø Smokers pay a lot less for much better healthcare.

Ø Tax-payers have their healthcare free of smoker’s expensive medical costs.

Ø Gov’t gets great service, it cost them nothing and its headache free.

· Multi-industry Support

The tobacco industry will have cutting edge products for other industries to off-set their own social cost. Tobacco will have the best medical regimens for treating emphysema, asthma, flues and colds, if not cancer – lungs, throat, etc.

(Gov’t attempts to regulate emissions on manufacturers, the auto industry and a host of other sources. Gov’t does so for all the same reasons they do tobacco. The penalties are built upon the same set of health concerns. Tobacco can help these others cover their social cost that are from all these same areas of healthcare. This would be multiplied in selling such services to other countries as well.)

· $ in Service vs. Smoking

A pack of cigarettes runs about 50 cents. The medical cost is $4. This medical cost is 8 times greater than the industry’s entire gross revenues. A 10% profit on this $4 equals the gross revenues of the entire tobacco industry.

(Tobacco taxes are presently collected by the gov’t. ROOPA turns this over to the tobacco industry. They collect from retailers much as they do when they sell cigarettes to them. Tobacco then disburses this revenue over to insurance providers much as they do any other supplier. This leaves tobacco with 10 times the revenues. It’s likely 10 times the profit as well. A 10% profit is still just half what insurance companies now average on their healthcare services. There will be other savings in removing gov’t corruption as well.)

· Transition Time

An industry not need cover their full cost in year one. ROOPA may give them a 10 year lead time. This would allow the industry to develop new technologies and cost efficiency alongside a gradual price increase that is more affordable to its consumers.

(Let’s say industry could reduce their social cost by 35% over the decade. This would be followed with a gradual increasing in premiums as well. Say its 4% a year over the decade for a 40% increase. This would allow the industry to cover 75% of their entire social cost issue – 35% through improvements, 40% in added revenues. It would be an affordable schedule alongside new cost efficiencies from improved counter measures.

The tobacco industry is a great case in point. They are likely to take-on this new responsibility as a matter of extraordinary opportunity. Some projections have smoking falling to a low 5% (from today’s nearly 20%). Others say smoking maybe zero in the next 30 years. ROOPA gives the industry both transition time as well as a whole new industry set to grow into. They get this new industry alternative at no extra cost to them (gov’t is already charging it).

This new opportunity happens to be 10 times bigger than tobaccos entire industry at its heyday. Put another way, such social cost offsets are in fact investments rather than penalty, but such opportunities are fenced off as long as gov’t plays middle man to them. That’s why it’s so critical to remove gov’t from this natural market process.

Imagine a tobacco industry dedicated to smoker’s health rather than pushing cigarettes. They may find new revenues in providing services to these other industries as well as other countries. Big tobacco weaned out of cigarettes and into healthcare. That’s real reform: Transformation.)

Part 2

5 Reasons Republicans Love ROOPA

Gov’t Saves $7 Trillion

The combined social cost of Alcohol, Tobacco and Obesity comes to a whooping $500 billion a year. Inflation could bring this up to $7 trillion over the next decade.

Gov’t is relieved of this massive $7 trillion cost burden. We would see huge savings to Social Security; Medicaid; Medicare and Veterans Affairs as well as in local, state and federal employee benefit packages. Patrons in each of these programs have great quality service while the rest of their healthcare is free of these lifestyle cost burdens.

(This allows gov’t a larger pool of flexible revenue. Though the overall budget maybe smaller, there will be more available funds for other programs. The lost revenue is made up in cost efficiencies rather than lost funding. Put another away, gov’t gets $7 trillion worth of service - for free. That’s a sizable incentive for gov’t to forgo these tax revenues.)

New Trillion $ Industry

We find this mammoth $7 trillion market from just 3 lifestyle brands: smoking, obesity, alcohol.

Lifestyle makes up 50% of all medical cost. Another 4 to 8 lifestyle sectors could double this into $1 to $2 trillion a year. Say it’s $1.5 trillion or $15 trillion over the decade. Most of this can be contracted out to this lifestyle insurance industry.

ROOPA’s greatest discovery maybe uncovering this new market niche: lifestyle insurance. It’s worth trillions; maybe $30 trillion over the next 20 years. And that’s just America. The rest of the world could double this. Recasting lifestyle into its own independent industry sector will jump start the next generation of efficiencies not possible in today’s system.

(Insurance began by covering ‘emergency’ care and evolved into proactive measures against harm and disease. Along the way, another dynamic came into play. Lifestyle. This was for things over and above routine ailments.

America found more time and money for leisure. This followed with ever riskier venues of work, play and sport. Lifestyle generally exceeds the cost of healthcare related to a typical day at work. It is the most expensive risk set per capita.

This has an upside. A small change impacts things exponentially. Small steps can make such a big difference.)

Free Market System

Lifestyle presents the best platform for tapping the free market advantages.

Examples:

Insurance vs. taxes

1) Better Forecasting

Lifestyle has one big advantage over today’s other healthcare models. Lifestyle risks are not a surprise event. It doesn’t strike without warning as we see for other ailments. Lifestyle happens by dedicated choice. It has optional rates of risk that users decide upon beforehand. This allows a better forecasting platform for both provider and customer.

Today’s model of pick and choose menus is pure guess work rather than a true choice. How can you know what your family needs in a decade from now? Lifestyle is a more accurate precursor to medical need. ROOPA replaces voo-doo insurance planning with real forecasting.

(A skateboarder is much more likely to have broken bones then an office worker. A smoker is more likely to end up with emphysema then a non-smoking jogger. A college kid is more likely to end up with STD then a married couple or students attending a Catholic college. In each case, those risks can be more accurately indexed and planned for.)

2) More $ & Satisfaction

The best news may be in tax-payer satisfaction. A study of 12,000 found 80% willing to pay more if the ‘extra’ funds went to drinking related issues. No one wants to pay taxes, but most are willing to pay ‘extra’ for their own lifestyle preferences. This means ROOPA can raise premiums and still have greater public satisfaction over today’s tax-system.

3) Better Specialist

Lifestyle combines a host of different ailments into a single group of issues that share the same source problems, patterns of behavior and rate of risk. As such, lifestyle has an overlapping array of efficiencies in treatments, budgeting and service.

4) Greatest Duplication

Lifestyle bundling offers the greatest purchasing power by narrowing services and expanding the pool of members around a single set of ailments.

(40 million smokers have more in common than 100 million workers with hundreds of different health issues. Smokers may have more expensive issues, but the number of issues is much smaller then we see of a typical employee plan. Today’s smokers are treated as Social Security patients or veterans or as workers and gov’t employees. This is much more expensive then treating them as a single group of fellow smokers.)

5) Pay as you Go

Lifestyle is best funded as a Pay-As-You-Go program. It’s included as part of the retail price. No worry about people getting ahead of themselves.

(Many smokers can’t afford to pay the added insurance premiums and so many of them don’t – fraudulently or otherwise. Including this social cost into the retail price leaves them to pay as they go. They no longer need worry about having enough money to cover their medical cost. You smoke once or a hundred times, you have already paid for it.)

Recast Ideology

a) Conservative’s hold that tax cuts allow people more money to spend on things important to them.

b) People can do a better job spending their money than gov’t.

c) People should take responsibility for their own lifestyle choices.

d) Gov’t should not subsidize lifestyle preferences in general.

e) Money should not be taken from the productive sector to subsidize the ‘non-productive.’ It is throwing good money after bad.

All these principles are wrapped up into one: ROOPA.

ROOPA has several advantages.

The first is that ROOPA is the positive demonstrate against an otherwise negative sounding platform.

Second, ROOPA is the inverse of these principles. ROOPA holds that if people covered their own lifestyle cost, we could cut taxes and insurance by this same 50%. It’s the same principle, but in reverse.

(ROOPA leaves people with more money for programs important to them: rehab for drinkers, asthma for smokers, sports programs for the obese. ROOPA is Conservative principle in reverse. Rather than cutting taxes first (as Republicans suggest) ROOPA dedicates our taxes to the things important to us. We end up with much the same outcome as tax cuts for money to spend on things important to us. Same principle, different policy approach.

Republicans tried to prove that low-tax rates are the best economic stimulus. Pres Obama framed this as greedy rich folks trying to avoid paying their fair share - at the expense of the poor. One reason Obama’s messaging was successful is that business is not the best demonstration of the low tax advantages. Lifestyle is.

ROOPA shows how Democrats and Republicans share two sides of the same coin. ROOPA is more than a repackaging of Conservative principle, but rather, its the application of it as the only means for delivering the Democrats promise of great programs. ROOPA demonstrates this Conservative principle through liberal agenda. The public will finally recognize the value of it.)

10ROOPA Advantages

1) Lifestyle vs. Profits

ROOPA finally gets to the very heart of modern medicines greatest failing. Profit based illness. Modern medicine finds its profits on people getting sick. Where’s the incentive for good health?

Lifestyle.

Lifestyle savings provides the counter balance to this disease based profit paradigm. That is why it’s so important to have tobacco faced off with insurance.

(We can counter these sick incentives in degree that we can build upon the savings incentive. This incentive resets the tobacco industry as the counter weight to insurance companies. It will be the clash of the titans or as Republicans like to call it: the free market system.)

2) Fed Size, but Better

A trillion dollar budget gives tobacco mammoth purchasing power. Feds have a large budget, but it’s dispersed throughout smaller programs. This leaves them less cost efficiency than Lifestyle Collectives. Tobacco or obesity would be concentrated around a single issue with a few, specific treatments for tens of millions or even hundreds of millions of clients.

(This provides a larger pool of members per ailment then seen of any other system. Concentrating resources around a single issue holds the promise to breakthroughs in medicine, service and savings that far exceeds anything we now get from gov’t programs.)

3) Focus

ROOPA focuses the industry around healthcare vs. regulatory loopholes.

4) Replace Regulation

Our example of the tobacco industry had them take full responsibility for all their social cost. This in turn replaces the need for most other gov’t regulations.

(Today’s regulatory system leaves companies to find ever more inventive ways to short cut and undermine gov’t penalties. ROOPA instead converts this corporate resourcefulness towards tackling the actual problem behind such social cost. This reduces the cost, size and need of gov’t regulations and bureaucracy dramatically.)

5) Investment vs. Tax Penalty

Today’s tax system steals away all the incentives and cuts out industry participation for improvement. ROOPA presents a powerful contrast to our present penalty based tax system.

(This is not about finding new revenue sources for say the tobacco industry. This is about demonstrating the value of social cost as a grand social investment and the incredible opportunities to be tapped in pursuing them.)

6) Social Cost vs. Taxes

We find gov’t using social cost to justify a fine or new tax and then running the penalty charges far beyond that cost. In contrast, ROOPA grounds its policy prescriptions around an industry’s social cost. ROOPA favors holding the penalty charges at that level.

(The social cost approach is built upon economic principles superior to past policy models and that far exceeds those of ideology. A social cost approach is a more accurate tool for finding effective offsets and yet, will often have a much smaller price tag then other reforms. This is topped with a level of fairness that holds a true public mandate that can finally win broader consumer satisfaction and commercial cooperation over today’s other tax policies.)

7) Titan of Healthcare

ROOPA converts tobacco’s trillion dollar fund into a giant of healthcare for all smoking related illness. ROOPA will do this for every industry geared to meeting their social cost.

8) Multi-industry Partnershp

ROOPA consolidates the efforts of every other industry around a single effort. For example, manufacturers, the auto industry, coal and other air polluting groups all contribute to these same healthcare efforts led by tobacco. We would see similar crossover partnerships with the food and beverage industry.

(Contrast this against the present system that has each company struggling to deal with their social cost – starting with employee benefits. All these efforts are dispersed throughout dozens of programs and industries. These industries can now have this trillion dollar healthcare infrastructure available to them at great prices. They’ll save trillions on social cost penalties while gov’t reduces the economic liabilities of such social cost.)

9) Off-set Cost

These outside industries supply tobacco with additional revenues. This will offset cost even further.

10) Conservative Principle: 1 Word

ROOPA – Responsibility for One’s Own Products & Actions. ROOPA encapsulates conservative principle into a single word. Here we see how ROOPA then works hand and hand with a market based system. ROOPA conjoins personal responsibility and free markets into a single eco-system of sustainable, cost effective, quality service.

11) Safe Haven

ROOPA would be a voluntary program. ROOPA provides an alternate choice to gov’t taxes and regulation. Industry can now chose between gov’t or ROOPA.

(ROOPA is a safe haven for industry and consumers against gov’t gouging. ROOPA provides an alternate platform for economic development and regulation; fairness of application, social responsibility and commercial efficiency that surpasses gov’t performance.

In contrast, gov’t always charges a lot more given enough time. Hawaii and NYC run double and triple tobacco’s social cost. Charging far above such social cost goes from gov’t gouging to legal extortion.

It took the feds 50 years to finally overtake the tobacco industry. In time, this will with every other industry as well. Industry knows it. Hence, the grudge match between gov’t and tax-payers.

Put another way, ROOPA provides a competitive market alternative to gov’t taxes.)

12) Replace Lobbyist

Today’s system has turned the social cost into a grudge match between industry and gov’t. The process of redemption is therefore a purely political issue versus ones of economic solutions or a social accountability. Low and behold: the multi-billion dollar lobbying industry.

(Today’s corruption is not the fault of special interest groups – per say, but the demands of our present system. ROOPA’s social cost approach makes such lobbying nearly irrelevant. Gov’t no longer has the power to forgive such liabilities. ROOA removes this growing and debilitating political corruption with an economic channel to remedy social cost liabilities through upgrades and improvements rather than bribery and legal exemption.)

13) New Purchasing Model

Lifestyle Collectives introduce a new mechanism and provide a different institutional structure for interfacing the public purchasing power with healthcare providers.

(ROOPA combines gov’t programs with private sector collective bargaining models for the next generation of public/private partnership. Lifestyle Collectives replace much of the role now played by gov’t healthcare contractors. ROOPA will prove more effective negotiators than Uncle Sam.

Gov’t is now recast into the more rightful role as impartial judge between two sides: insurance & food industry. It’s the best way to get money out of politics – remove gov’t control of the money. Once removed, we can finally have the big improvements over corruption, bureaucracy, ineptitude and other such gov’t inefficiencies.)

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