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Politics : A US National Health Care System? -- Ignore unavailable to you. Want to Upgrade?

To: John Koligman who wrote (3875)	1/14/2008 3:05:04 PM
From: Katelew	Read Replies (2) \| Respond to of 42652

John, flood insurance is a really good analogy, I think. And Lane's view of the govt. as insurer of last resort dovetails nicely with the analogy. I really like the perspective your two suggestions bring to the idea of catastrophic coverage. It makes it clearer to me and perhaps others how such a program could become just a part of the larger private health insurance system. And it gives families of modest income some choices they don't have now. For ex. a family might study all their options in terms of healthcare benefits versus costs, and they might decide that for them it was more prudent to just opt for catasrophic coverage. The plan would be to bank the difference in the premiums each month and use that money to self-pay for routine medical needs, inc. dental and optometry. Most families could look at prior years' expenses to evaluate which choice made sense for their partiular family while having the peace of mind that at the very least no catastrophic illness would bring bankruptcy or unnecessary tragedy to them.