Healthcare plan for Employeres or Government

I know you understand the importance of both preventive care, and healthy lifestyles to controlling healthcare costs. Therefore I hope you give serious consideration to the follow proposal. If you find it to your liking, please feel free to use it. This method could be used by both employers and governments to control healthcare costs, and encourage healthy living. In brief, figure out how much it costs to insure the average healthy/fit person. Then figure out how much it will cost to insure an unhealthy one (someone that will probably develop asthma, diabetes etc), and then split the difference between the patient and the employer/government.

For example, if it costs $2400 a year to insure a healthy/fit person, and $4800 a year and unhealthy one, you could split the difference ($2400) between the employer and the employee. The employer then would save $1200 a year, and the employee would get a check for an extra $100 a month for staying fit. Fitness could be determined by a doctor during the annual checkup, or some other measure.

This method would also work great for retirees who often require the most care. So this might be a great proposal for say legacy healthcare costs for Detroit's automakers, or for that matter for Medicare.

After participating in "California Speaks" a healthcare symposium, and doing other research, I really believe this method could reduce healthcare costs, and keep our economy on a strong footing. I also think it would be a great talking point in Michigan and else where. If you would like any further information on this idea, please don't hesitate to contact me.

Thanks,