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Politics : A US National Health Care System?
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To: Lady Lurksalot who wrote (1020)2/20/2006 3:52:09 PM
From: Peter Dierks  Read Replies (1) of 42652
 
Risk based premiums have been a long term goal for insurance companies. The third party payer system is broken, and somehow the system has to be fixed. HSAs should work to restore risk penalties as well as genetic risks to individuals. Insurance companies have an interest in ensuring that medical payment problems are solved through them, rather than by avoiding them.

As a former insurance administrator, I can tell you that the sex adjusted risk premium does not level off until the participants are in their sixties. In the eighties I was able to deliver insurance to young men at less than 1/4 of the cost to young women. It increased participation among young men, and helped control costs for the group.

Health insurance companies have not solved the problems yet, nor are they ever likely to do so. People are much more adaptable than corporations.

The specter of Big Brother forcing and enforcing behaviors is something we should all be worried about. If we decide that we want to cover the risk premiums for our fellow man in order to ensure that our excess risk is also covered, then we should begin soon to pass legislation.

In some ways is uniform rate insurance like union labor? The strong carry the weight for the weak.

What are our values? Are they worth fighting for?
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