Healthinsurance

This week some of the presidential candidates brought to the table their proposals on health insurance for America. I believe we are heading in the right direction. My thoughts :
Private: Not public monies nor government health but using the private insurance industry.
Required: All family units must have a health policy, one that they can specify to their particular requirements. However ALL policies should have some standard items, particularly oriented towards preventive medicine: free annual checkups, teeth cleaning, etc.
National: right now, states monitor and regulate insurers. Insurers need to be able to conduct business nationwide.
Portable: it is your policy you take with you no matter where you are employed. the company you work for might subsidize it but when you leave, you take it with you.
transparent: costs for services must be publicized and easily understood.
tax aspects: the 12000 deductible for health insurance should be incorporated.
low income: credits towards purchasing insurance should be given to those low income
if this can work out than elimination of Medicare and Medicaid through use of private insurers is a long term entity.
I believe the discussion is in the right direction but it needs to avoid governmental control and regulation (as in a National health care). A Universal coverage is okay as long as it is contained within the private sector
More later