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To: Road Walker who wrote (129183)	3/5/2001 2:50:43 PM
From: Jim McMannis	Read Replies (2) \| Respond to of 186894

RE:"Now there is no free market competition, the best price is based on the number of policies an employer can deliver in bulk." Exactly. Sometimes you surprise me. RE:"Imagine if everyone had to write a check every month for health insurance." I do, every 6 months. Imagine where taxes would be if everyone had to write a check every month or every year and send it in with their return? Witholding is a clever ploy. Not unlike the frog in the boiling water scenario. Place the frog in boiling water and he jumps out. Place him in a pot of cold water and slowly turn up the heat and he gets cooked.

To: Road Walker who wrote (129183)	3/5/2001 3:06:10 PM
From: AK2004	Read Replies (1) \| Respond to of 186894

John re:free market agreed but you have to define it better, IMBO. Distribution via employers is not without it's advantages. While grouping is required that does not contradict "free market" concept. Benefits are part of the compensation plan and should be treated as such. Bad benefits subtract from the package. re:Imagine if everyone had to write a check every month for health insurance. The prices would be more competitive the result is completely opposite. Individual policies are subject to anti-selection and hence would be priced much higher to reduce the risk. Insurance companies would require more profit to achieve same risk/reward ratios. Add extra distribution costs and your price is through the roof. re:Why should your employer pay your health insurance and not your car insurance or home owners insurance? you will find it really hard to define the value of comp package and car scratches are rarely life-threatening Regards -Albert