A comprehensive (moderate) health care solution

Here is my comprehensive health care policy.
It is the perfect compromise between the failing status quo and the socialistic and inefficient version of Canada.
We should have a government run insurance business to compete against those in the private sector.
This would be paid into by individuals who chose to be enrolled.
It would provide health insurance with high deductibles (around $2000) for cheap.
The profits would be kept to a lower level than most insurance companies
(maintained at around 30-40% of those profits from 2008- adjusted for inflation and demand). (Or started at 70% of those profits and dropped 5% a year to 30-40%).
(Maybe, the government could also offer $50-$200 dollar deductible plans- this however would be started at 85% of the 2008 profit levels for similar plans offered in the private sector and would decrease 3-5% each year down to 50% by cutting prices – this would then make the increased demand for health services come at a slow enough pace so as not to overburden providers and create long lines.)- It would also give private companies time to adapt and compete.

I must say that those government insurance companies must be, for the most part, ran like companies in the private sector and must contain at least as much fraud detection and prevention capabilities.
The profits that the government does make should go toward medicare and Medicaid as well as tax cuts or tax credits to private companies who lower drug prices and deny less people coverage.
One benefit to getting insurance through private companies is that they will pay for more than just what is ‘necessary to lead a healthy and productive life.’
Which brings me to a reform for Medicaid and medicare. We need to limit when doctors give the best implant or hip replacement which would cost 40,000 and make sure they just give what is ‘necessary to lead a healthy and productive life.’
We also need to combat diabetes which is the largest drain on our Medicaid. We need to remember though that cheaper foods are those most likely to lead to obesity, so we need to work on combating poverty and making healthy foods more affordable…and desirable.
We also must promote and educate people about living wills, which will allow them to be taken off life support if there is little to no chance of improvement.
We must also allow the FDA to consider cost effectiveness when approving new drugs.
We must also not allow pre-existing conditions to have too much effect on payments and certainly not on coverage. (perhaps excluding treatment for suicide attempts after the first- but not excluding treatments to prevent it from happening again.)
We must also build the individual insurance market and portable insurance so that people are less dependent on their jobs.
Last, we should provide malpractice insurance and lawyers available non-profit through the government.
(I realize the private sector could not compete against this, so people from the private sector should be hired to run it.)

Here are some additional thoughts from Newt Gingrich’s book “Real Change”

We should perhaps end Medicaid and provide low income families with vouchers or tax credits to buy their own insurance (this will not work on it’s own of course, due to pre-existing conditions rules that insurance companies employ).
As Jeb Bush implemented in Florida, each state should have web sites like Floridacomparecare.gov and myfloridarx.gov which enables consumers to choose the best performing and highest value hospitals and medications.
Also, more companies should put employees on programs like Healthways myhealthIQ health risk management program which “gives financial rewards based on quantifiable, improved biometrics.” It also provides coaching.
Hospitals must transfer to more IT systems to replace the paper system- this will prevent medical errors, increase efficiency, and save money.
The federal government must lead the way in creating a reimbursement model that takes quality of care (and results), and not just quantity, into account.
We should insist that everyone obtain insurance or post a bond.
We should create a national pool for those who suffer catastrophic illness or disease.