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Politics : View from the Center and Left -- Ignore unavailable to you. Want to Upgrade?

To: rich evans who wrote (52008)	3/5/2008 11:14:01 PM
From: Lane3	Respond to of 540950

You have to distinguish between health issues and welfare issues. If it is a welfare issue, you would pay for the insurance thru welfare. The problem is that, unlike the Swiss, maybe half of us would be welfare cases. A Swiss-type system would soon morph into a welfare system.

To: rich evans who wrote (52008)	3/5/2008 11:19:02 PM
From: TimF	Respond to of 540950

I'd say more than half are people who choose not to get insurance. The swiss system does this. I know something about the British, Canadian, and French systems, but next to nothing about the Swiss system. Lots of people may not comply with the law and get the insurance but the same is true for auto insurance. Exactly, in fact that point has been raised a lot by people arguing against the legal requirement to buy insurance. Most of us though would set up insurance and health savings accounts as required Why would both be required. If I had a $2K deductible, I could be $2K in an HSA, or I could self insure up to the $2K limit, just paying the $2K when I have to. Not that I usually have $2K in spare cash lying around, but the medical care provider might offer a payment plan or if not there is credit cards. And yes some people have lousy credit, and also would have a problem scrounging up the $2K, well if they don't have the money how are they going to fund the HSA? Also why should I have to follow a plan to fit their problems rather than mine? The one concern in my post that you didn't reply to is the issue of laws and regulations mandating very extensive coverage and thus driving up the cost of insurance (for a good example go to e-health insurance, and price out insurance in New York State). What's your opinion about the issue in general and specifically what can be done to control this factor in increasing costs?