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To: Knighty Tin who wrote (152101)	2/20/2002 1:36:28 AM
From: patron_anejo_por_favor	Read Replies (2) \| Respond to of 436258

<<Oh, yeah, I expect some small co. to pony up if I have a heart transplant (about half a mil) or require extensive rehab in the six figure range. Heck, you'll be lucky to get them to cover a cold. <g> I want a big ugly insurance co. behind me when I go to the big ugly hospital.>> Self-insuring makes a lot of sense for the Fortune 500 though...for the smaller cos, it still makes sense if it's structured properly (ie, higher deductables and a VERY solid stop-loss policy for the catastrophic cases). In any event, it's much more flexible than most HMO's and therefore will continue to increase in populariy, with an ever greater proportion of expense (and therefore, cost-awareness) shifted to the consumer. The only real way to slow health care cost inflation is to allow price signals to be transmitted back to the consumer, so that he takes more responsibility for his own health care decisions and embraces better preventitive strategies (ie, healthier lifestyle choices)