Becker's Healthcare December 12, 2025
Providers of healthcare in the US have increasingly been pushed aside and commoditized by hospitals and insurers. As such our healthcare payment system is deeply flawed, with high costs, unequal access, and complex reimbursement systems. This paper proposes a three-tiered, shared-cost model designed to distribute financial responsibility among various stakeholders, including the government, insurance industry, hospitals, providers, and patients. Unlike single-payer or purely market-driven approaches, our model aims to provide a balanced solution that ensures universal basic healthcare access while preserving market competition and efficiency.
Total U.S. healthcare spending surpasses $14500 per capita and growing despite cost-containment efforts. Existing payment models, such as bundled care, often lead to conflicts of interest rather than cooperation among providers. Healthcare is financed through...
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