Dec 23, 16 / Cap 22, 00 18:27 UTC
This discussion (as with probably much of anything in this forum) will have a lot of overlap with Asgardia's economic policies. As such, I'd like to divide this up into multiple stages to accommodate for that.
Initial Stage: Where we are now
As we all know, the entire foundation for how insurance currently works changes based on location. Being that Asgardia is currently an Earth-wide effort and not one within our future location in space, anything done here has to somehow work with each system (assuming one even exists). Then there are the places where healthcare and insurance aren't really available/affordable, in which we should think about charitable options for our citizens until we can establish a solid, unified framework for all Asgardians.
So for the sake of both simplicity and ensuring all of us (regardless of location) can continue to help make our nation become a reality, our first focus should be to donate to something like Doctors Without Borders. Anyone in their deployed locations will have access to the services they are able to provide, which should also help get our name out there.
Stage two: Coordinated branches/embassies/etc with physical locations
Once we have enough infrastructure for a stable, physical presence around the globe, we can look into supplemental policies. The biggest problem with this would be getting providers/pharmacies to accept it, which is why we need regional (based on nation/province) locations to work with each existing system so that we can come up with something that can work within the confines of their location. Ideally, any Asgardian supplemental would be able to provide the same services regardless of location.
By the time we get here, we need to be also thinking about identity theft and how to counter it. Given the amount of infrastructure required to reach this stage, we should already have some way of figuring out where the funding for this would come from. Policies should extend to citizens, their children and partner/fiancee/spouse.
Stage three: Within our own future nation
Once we can reside within our own nation, we can have our own policies. Due to how far in the future this would be, we should only be concerning ourselves with the broad concept for now, which is mainly that all citizens should have coverage in some form or fashion. I have a feeling that by the time we get to this stage, we'll have improved upon any existing systems/concepts to the point that most of what we come up with now would probably be obsolete.
Any policy/system in effect at this point should now also extend to documented immigrants. This particular specification is only because for this to work, they should probably be in our records to begin with.