A US National Health Care System? Message Board

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Politics : A US National Health Care System?

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To: John Koligman who wrote (5972)	2/10/2009 9:25:14 AM
From: Lane3	2 Recommendations Read Replies (2) of 42652

Hey Lane, sounds like you just outlined our health insurance problem in a nutshell very well! I don't think it accurate to call it a "health insurance" problem. That's the way insurance works and is supposed to work and must work if it's to be a viable construct. You're insuring against risk. The higher the risk, the higher the premium. Duh! What it is is a health CARE problem. We've contorted and corrupted the insurance paradigm to provide health care. Insurance is supposed to be only for things with a big risk. You don't insure your car against deterioration of the oil. You insure it against getting smashed to smithereens. Likewise health insurance makes sense for what used to be called "major medical." It doesn't make sense for ear infections. If we want flat rate or "free" coverage for all our interactions with the medical community and all our health issues, insurance isn't the right paradigm. We would need, instead, private prepaid health care plans or socialized medicine. Or we could use the insurance paradigm for major medical and pay as we go for the rest. I don't think it's fair or apt to beat up on health insurance for failing to do what insurance isn't well suited to do.

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