A US National Health Care System? Message Board

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Politics : A US National Health Care System?

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To: Lane3 who wrote (1996)	9/4/2007 2:56:30 PM
From: TimF	Read Replies (1) of 42652

That "reverse insurance" dental plan might be good if its cheap enough, but if it is that only means that its subsidized or that part of your compensation is going to it instead of wages. I see three relevant main components of most health insurance plans. 1 - Real insurance. Insurance against risk you can't afford to deal with if your unlucky enough and things go bad for you. 2 - Payment plan. Predictable steady smoothed out payments, that even if unsubsidized might help people budget for the normal maintenance and/or relatively low cost medical care issues. 3 - Group discount plan. The insurance company negotiates discounts. 4 - Benefit/alternate compensation. You get subsidies toward both "payment plans", and "real insurance", through your employer or former employer, or some government program. #2 and #4 probably act to increase health care prices. #1 might to a small extent, both from considering the cost to provide the insurance, and from the fact that people being able to pay for this care represents and increase in demand over them not being able to pay for it. But in this case the upward pressure on prices/costs is worth it as the potential risk is so great.

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