Catastrophic medical insurance:

Government single payer is THE superior method for providing basic medical insurance.
Unfortunately, this concept has not yet been entirely adopted in the USA.

[Medicare, Medicare advantage, and Medicare Supplemental insurances are an example of government provided basic insurance that individuals may choose to augment by purchasing additional insurance provided by nongovernment insurers. Commercial insurers did not, do not, and cannot provide basic medical insurance in a manner superior to that of Medicare insurance].

Catastrophic medical expenditures paid on behalf of individual patients are drastic costs to all; (i.e. to individual persons or others such as medical insurance plans) that pay those expenditures. They increase the costs and prices of all (commercial, or nonprofit or government) administered medical insurance.
Due in part to individual patients’ catastrophic medical costs, insurance plans are less affordable and fewer people are insured by them.
In the USA when the legally obligated or charitable entities do not pay providers of medical goods and services, substantial amounts of those bills are directly or indirectly paid by our governments, (i.e. our taxpayers).

I’m among the proponent for federal universal individual patients’ catastrophic medical insurance.

It’s proposed when a patient’s annual medical expenditures reach the “catastrophic amount”, the federal government should assume the medical insurance of that patient for no less than then and the years that follow until the medical expenditures on behalf of the patient do not exceed 15% of the catastrophic amount within one of those following years.

Catastrophic medical insurance should be patient’s entitlement regardless if the patient was or was not previously insured. Participating Affordable Care Act insurers are required to accept high-risk client’s and catastrophic expenses are more likely to occur among those clients.

The legally defined “catastrophic amount” should be annually adjusted. Medicare is an example of price schedules for authorized medical goods and services.

Respectfully, Supposn