During the State of the Union address, President Obama repeatedly insisted he would “fight.”

Referring to those individuals who have lost health care coverage, the president declared he would “not walk away from these Americans.” Then, dropping the gauntlet, he challenged, “But, if anyone from either party has a better approach that will bring down premiums, bring down the deficit, cover the uninsured, strengthen Medicare for seniors, and stop insurance company abuses, let me know. (Applause.) Let me know. Let me know. (Applause.) I’m eager to see it.”

Hearing that, many Americans likely thought, “There he goes again”!

Well, Mr. President, since you asked for it, here’s more on how you can help Americans have a backup plan to pay personal health care coverage premiums and excess costs while reconstituting individual responsibility if they should need it.

Before doing so, here’s a brief recap from last week’s column, titled “How to KO pre-existing conditions with one-two Combination.”

•Repeatedly ask each private provider to add a market-priced package that covers pre-existing conditions to their portfolio of health care coverage offerings. That will provide every American the opportunity to purchase coverage.

•Urge each of the 50 governors to call a special session of their state legislatures to convene before March 15th to discuss and vote yes or no to opening their state to all private insurance providers.

Mr. President, if you are willing, here’s a unique approach that will work. This unique approach is a financing methodology that millions of Americans — parents and children — are very familiar with. In fact sir, while you brought it up in the SOTU address for the political purpose of dangling a student loans forgiveness cap of 10 and 20 years, respectively, to college graduates who work in the public or private sectors, we’ll set aside a critique of that for now, and instead, leverage the original student loan method for the optional choice of American citizens to use, if needed, in order to pay for health care policy coverage or uncovered excess costs.

Simply put, individual citizens who want or need individual or family coverage could choose to pursue a Medical Advance Loan for which they would be personally responsible to repay in monthly installments.

Additionally, citizens incurring excess medical expenses as the result of the delivery of appropriate medical services not covered by their existing plan could choose to pursue a Medical Post Advance Loan for which they also would be personally responsible to repay in monthly installments.

Further, citizens not covered by private insurance or who lose private coverage, and in either case do not faithfully secure COBRA or other coverage, within prescribed time frames, for themselves or their families may pursue a one-time Medical Emergency Loan for which they, again, are personally responsible to repay, in monthly installments.

In addition to financial institutions and health insurance companies, all doctors, hospitals, rehabilitation centers, nursing homes, etc. would be authorized to extend the Special Medical Loans if they sign, publicly announce, and conspicuously display a simple one-page proviso that all citizen patients are eligible and any interest, if charged, would not exceed the lower of 2 percent per annum or the federal reserve rate charged to banks, and any rate change applied can go into effect only on the annual anniversary.

The 2 percent cap would apply to both the Medical Advance Loan and the Medical Post-Advance Loan. Perhaps, Mr. President, you might believe a 4 percent max-cap is warranted in Medical Emergency Loan situations to stimulate personal responsibility, albeit after the fact.

In any case, medical professionals and institutions as well as insurance entities could offer interest cancellation or rate reductions for outstanding principle converted to a new or existing Medical Loan program.

Mr. President, this unique approach to assist citizens to fulfill their personal and family responsibilities regarding health care will work. In fact, you can take it one step further and reconstitute the breath and depth of family. How?

By further leveraging the methodology traditionally used with the student loan application process orchestrated by the federal government. Most parents upon reading what follows will likely knowingly smile. Some might utter aloud, “Yes!”

The feds return a report to students applying for various student loans that advises the student how much money their parents can afford to contribute to pay toward the student’s costs for college. Euphemistically, they call it the “Family Contribution.”

Mr. President, let’s apply the same “Family Contribution” practice to medical loans. Specifically, for all adult citizens applying for a medical loan, list all other adult family members and all children. All those 18 years and older should be invited, perhaps, required, to co-sign and pledge to repay the medical loans, or help to do so, should the parent applicant stop making payments.

This is neither a Democrat nor Republican idea.

Sir, as you boldly asked in your SOTU address, “… if anyone from either party has a better approach… let me know … I’m eager to see it.”

Mr. President, we just did, and we are eager to see you embrace it!

Richard Olivastro is president of Olivastro Communications, a professional member of the National Speakers Association and founder of Citizens For Change. He can be reached at Rich@Olivastro.NET or 877.RichSpeaks.