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How the U.S. can have the world’s best health care system without increasing taxes

By Press Room

Dennis Paulaha

Every minute of every day, another family goes bankrupt because of medical expenses. People are dying because they don’t have access to health care with nearly the same frequency. Americans spend more than twice what other industrialized countries spend on health care, yet many people don’t see their doctors because of the high co-pays. Meanwhile, doctors spend an average of two hours on insurance paperwork for every hour they spend with patients.

“The solution is not to leave the people’s health and lives, and the health of American businesses and the American economy, in the hands of corporate health insurance companies who, when it comes to deciding what to pay for and which doctors we can see, get to choose what is best for their profits,” says economist Dennis Paulaha, Ph.D., who worked with William Ulrich to create something better. “The solution is not to risk damaging Medicare, one of our most successful and most trusted government programs, by expanding it to include everyone. Nor do we want a government takeover of healthcare.”

Paulaha and Ulrich say the solution is to create a new government agency, National Health Insurance, to offer health insurance to everyone who is not on Medicare or Medicaid. “This has nothing to do with socialized medicine,” they emphasize, adding the reminder that Medicare is not free. It is prepaid insurance.

William Ulrich

Rather, the National Health Insurance would expand the Medicare model for coverage and use the management expertise developed by Medicare, which has administrative costs of about two percent, compared with the 18 to 20 percent administrative costs of corporate insurance companies. With this plan:

  • The federal government establishes a health insurance company that offers better coverage and lower premiums to everyone who is not on Medicaid or Medicare.
  • Everyone can choose his or her own doctor
  • Everyone is covered from birth to 65
  • When they reach 65, they move to Medicare

This economic plan is a win for all of America

Paulaha, who co-authored the National Health Insurance Plan with entrepreneur-turned philanthropist William Ulrich, says the purpose is to have a government-run health insurance agency offer a better alternative to corporate health insurance companies, and to let everyone choose what they believe is the best insurance company: a for-profit health insurance company or the government plan.

The plan would increase efficiencies and lower costs. “By eliminating waste, inefficiency, fraud and multimillion dollar CEO salaries, we predict the premiums paid by employers and individuals will be half what corporate insurance companies are charging,” explains Paulaha.

The plan is a project of The Rainbow Movement, a nonprofit organization established by Ulrich to promote organizations that do positive work. The details are straightforward:

  • Corporations and individuals will have the freedom to choose either a private or government health insurance plan. “And because the government plan will have better coverage and lower premiums, we predict almost everyone will choose National Health Insurance.”
  • Employers and individuals who are currently buying insurance from corporate insurance companies can now buy less expensive policies from the government, which lowers their costs, increases their profits, and does not add anything to government spending.
  • Medicare and Medicaid are left as they are to avoid the risk of being destroyed by a failed  expansion. “Medicare and Medicaid work. We do not want to disrupt either program or risk the well-being of older Americans simply because some sort of Medicare-for-all program seems like an easy solution. We want to keep the problems and solutions separate.”
  • Government subsidies for low-income individuals and families with health insurance will continue, but because National Health Insurance premiums are expected to cost half as much as corporate premiums, government subsidy spending on Affordable Care Act premiums falls from about $800 billion to about $400 billion a year. The savings can be used to subsidize part or all of the premiums for everyone who is currently uninsured, which is estimated to cost $70 billion a year.”

This is a business plan for America 

Paulaha emphasizes that this is not a copy of European healthcare plans. “It keeps America’s private healthcare industry, which has the best doctors, the best hospitals, and the best pharmaceutical companies in the world, private, although it will be necessary to control some monopoly drug prices,” he elaborates. “And everyone will be able to choose his or her own doctors, which is not the case with many corporate health insurance plans.”

He and Ulrich envision phasing in the plan by first making it only available to 64-year-olds, then reducing the age of eligibility one year at a time. “Of course, after two or three years, the success of the policy is expected to lead businesses and individuals to demand everyone be included as quickly as possible,” they conclude.

Paulaha says, as an economist, he knows there will be pushback to their idea. “Wall Street does not like the idea of government handling health insurance, because Wall Street wants to protect  the value of health insurance companies. We are more interested in protecting human lives, families, incomes, business profits, wealth, and the United States economy.”

To learn more about the National Health Insurance Plan and receive email updates and to help make it a reality, visit www.nathealthinsurance.com. To sign the petition supporting The National Health Insurance Plan, go to Change.org.

Biography: William Ulrich 

William Ulrich, like a number of famously successful people with dyslexia, overcame his disabilities to create and run two businesses that brought in hundreds of millions of dollars. He is now spending his time, energy and resources to do good in the world; to help make the world a better place for as many people as possible.

Biography: Dennis Paulaha, Ph.D.

Dr. Paulaha has B.S. and M.A. degrees in economics from the University of Minnesota and a Ph.D. in economics from the University of Washington with a specialization in environmental economics. As a college and university professor, he taught macroeconomic and microeconomic theory at the principles, intermediate, advanced and graduate level, monetary theory and policy, environmental economics, and special issues courses. In the real world, he wrote investment newsletters with more than 70,000 paid subscribers and was Vice President of research and marketing for a national brokerage firm. He has been interviewed by magazines and newspapers and has appeared on television and radio programs discussing his books.

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The Rainbow Movement: Paying Tribute to Paul “Bear” Vasquez, the Double Rainbow Guy

By Press Room

 

To millions of YouTube viewers and Jimmy Kimmel fans, Paul “Bear” Vasquez was simply the over-the-top Double Rainbow Guy, a viral video sensation. But to William Ulrich, Vasquez was an inspiration. An original member of Ulrich’s The Rainbow Movement, Vasquez is the reason this group is focused on raising awareness and money for worthwhile causes. Vasquez passed away in May 2020 from COVID-19.

The Rainbow Movement is dedicated to facilitating miraculous results. The initiatives it supports, called Rainbow Projects, vary from an online Miracle Film Festival to provide a venue to filmmakers, and various programs including The Haven, which serves individuals with disabilities.

Rainbows Brought Them Together

Ulrich first discovered Vasquez after having a powerful experience. “I was retired and trying to figure out what to do with my life when I saw the most incredible rainbow I have ever seen,” Ulrich recalls. “It started miles away, and as I watched, it moved toward me, eventually stopping a couple hundred feet from where I was standing. I had never seen a rainbow move before, so I started looking around on the Internet to see if there was information about what I had seen.

“I discovered links to Paul Vasquez. I hadn’t heard of him before or seen the video that made him famous. So I decided to contact him.” The two met in person and became good friends. “I asked him if he would like to come to Florida for a while and help me figure out what I’m supposed to be doing, based on my belief that the rainbow I saw might be some sort of message from a higher power. He agreed and said God sent the rainbow to me so we could do things together.”

“I was in the middle of trying to figure out how to put another business together to make money. He had no interest in money. He only wanted to live life. He taught me that money is not as important as I thought. I believed this was an opportunity of a lifetime for both of us: to work together to make the world a better place.”

Their conversations inspired The Rainbow Movement, created to raise money for worthwhile causes. And although Vasquez ultimately returned to his home in California, his impact on Ulrich’s life remains strong. “Knowing him and spending a few months with him changed my life forever. He helped set me on a path of simply doing good things in the world. This very gentle person was destined to change people’s lives for the better, especially mine.”

Carrying Vasquez’s Message of Hope and Inspiration

Through The Rainbow Movement, Ulrich is determined to honor Vasquez’s legacy. “Rainbows are purposeful, meaningful proof we are being guided in the right direction, and Bear inspired me to move forward and do good in the world,” he reflects. “We want to open people’s consciousness. Rainbows give you the power to make good things happen.”

One such initiative currently supported by The Rainbow Movement is the grassroots National Health Insurance Plan, a proposed option designed to save billions of dollars; and more importantly, to save lives.

Another is The Haven, an organization that enhances quality of life for people with disabilities by encouraging independence, championing inclusion and advocating for their individual rights.

“The Haven was one of the first organizations The Rainbow Movement tried to get behind,” says Ulrich. “Bear would be pleased that we are raising money for The Haven in his honor.”

Visit TheHavensrq.org to honor Vasquez’s legacy with a donation, and follow The Rainbow Movement to get news about all of the organizations they are trying to help.

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