My Healthcare Reform

The healthcare issue is visible in most news sources lately and is being pushed forward by Obama and many others. President Obama proposes a healthcare plan, and the Republicans have proposed a plan. I oppose the Obama plan and I have mixed feelings about the Republican plan. Both involve the creation of new programs, the difference is Obama wants the government to run the program, Republicans want a company to operate it. Obama's wants healthcare insurance to be mandatory. I oppose this because I can't afford health insurance, or more taxes, whatever they are using to pay for it, and I am relatively healthy and rarely go to the hospital so why should I be forced to get, or pay for something I do not need or want? So here is my plan: do what the government does best: REGULATE. Do not control day to day operations but place guidelines in which the companies can operate. Current plans stay the same with the following changes to basic company policy:
1. A company can not refuse to give an insurance plan to anyone who has never missed a premium.
2. A company can suspend insurance to people who do not pay a premium.
3. A company can not require any medical treatment to be more than 10% covered by the consumer.
4. An insurance plan should cover all medical treatments available with no exceptions. A visit to the doctor is a visit to the doctor. Circumstance should not matter of why they are at the hospital just pay for the treatment.
5. Premiums should never cost more than 3% of a person's annual income. Family plans should follow the same ratio per person.
6. People, not employers, should be the only ones capable of purchasing healthcare. Healthcare should not be a benefit of employment but a personal responsibility.
7. If a person does not have health insurance but needs treatment, send them the bill and let them face the possible debt load if they wish.

Healthcare is not a right. Choosing if you have health insurance or not is a right. Read your consitution. What powers are not granted to the federal government are granted to the states and the people. We have the right to live our lives. Let the government make these simple tweaks, I wrote them spontaneously like I write everything. It isn't rocket science. Wake up America and use some common sense approaches. Know the limits of government (there are limits, read the Constitution they never made required reading in our American school system) and stop the government from going beyond the limits.