SI
SI
discoversearch

We've detected that you're using an ad content blocking browser plug-in or feature. Ads provide a critical source of revenue to the continued operation of Silicon Investor.  We ask that you disable ad blocking while on Silicon Investor in the best interests of our community.  If you are not using an ad blocker but are still receiving this message, make sure your browser's tracking protection is set to the 'standard' level.
Politics : A US National Health Care System?
 Public ReplyPrvt ReplyMark as Last ReadFilePrevious 10Next 10PreviousNext  
To: Lane3 who wrote (5970)2/10/2009 3:00:03 PM
From: Peter Dierks  Read Replies (1) of 42652
 
The size of the pool doesn't matter much except for big ticket items like heart transplants where one incident can throw premiums out of whack.


If the problem is excessive cost then a choice must be made how to spread risk to reduce it. To assume a variable and then state that the answer must be to adjust another variable is not a effective means of solving problems.

This is America, which for the moment at least is based on the assumption that people are rewarded according to their ability and or efforts.

If the problem is that certain procedures are too costly to allow the risk shared cost to be affordable isn't it wisest to investigate to see if there are some people who want insurance but whom would waive the right to certain cost prohibitive procedures to remain healthy?

This is one cost of Balkinized insurance. State regulators dictate what can be offered.

There are lots of people who would accept insurance at half the cost which excluded procedures they deem themselves to be at a low risk of. Offer insurance which excludes organ transplants and other insurance which excludes coverage of cancer. Maybe even offer insurance that excludes all of it.

At a monthly premium of $50 a great number of people who choose to go without insurance now could afford it, and the "problem" would probably solve itself. Of course that assumes that the problem is uninsured and not that government is not dictating what health care people can receive.

With most of American insured then the debate could change to what additional coverage the government might be willing to offer to its poorest citizens.
Report TOU ViolationShare This Post
 Public ReplyPrvt ReplyMark as Last ReadFilePrevious 10Next 10PreviousNext  

HomeMailHotSubjectMarksPeopleMarksKeepersSettings
Terms Of UseContact UsCopyright/IP PolicyPrivacy PolicyAbout UsFAQAdvertise on SI
© 2025 Knight Sac Media.  Data provided by Twelve Data, Alpha Vantage, and CityFALCON News