What we need is universal insurance of about 80% of health care costs, with a 20% or so co-pay, and 100% co-pay for vanity surgery. The co-pay is substantial enough to deter wasteful use. And the really poor who cannot afford the 20% can be covered by Medicaid.
What is the magic about your percentages? Upon what research do you rely to establish such rates as reasonable, accurate and sustainable?
Get the government out of healthcare. People should be paying out of pocket for routine and general care. They can easily afford catastrophic insurance if they want to.
We need universal fuel insurance to pay 80% of fuel bills. And univerisal grocery insurance to pay 80% of grocery bills. And universal Starbucks insurance to pay 80% Starbucks bills. And universal cable insurance to pay 80% of the cable bills. And universal Music insurance to pay 80% of song purchases. .... Why stop at medical care? Why the heck do you want to disenfranchise the healthy? 80% for all!