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To: LindyBill who wrote (449137)10/4/2011 6:27:34 PM
From: Bill1 Recommendation  Read Replies (1) | Respond to of 794011
 
Cost shifting/sharing (i.e., insurance) is one issue. The other is overall cost.
The U.S. has a problem that doesn't seem to be easily addressed.




To: LindyBill who wrote (449137)10/4/2011 6:41:58 PM
From: MulhollandDrive  Read Replies (1) | Respond to of 794011
 
So the pragmatic best way to handle it is to have the most rational solution to the problem. The Swiss seem to have the best health care system out there.

geebus.....you think we can be like the swiss??? really??

so you are for the unconstitutional mandate....

Compulsory coverage and costs Swiss are required to purchase basic health insurance, which covers a range of treatments detailed in the Federal Act. It is therefore the same throughout the country and avoids double standards in healthcare. Insurers are required to offer this basic insurance to everyone, regardless of age or medical condition. They are not allowed to make a profit off this basic insurance, but can on supplemental plans. [1]

Regulations also restrict the allowable policies and profits that a private insurer may offer, as noted by healthcare economics scholar Uwe Reinhardt in a review in JAMA. Reinhardt writes that,

"To compete in the market for compulsory health insurance, a Swiss health insurer must be registered with the Swiss Federal Office of Public Health, which regulates health insurance under the 1994 statute. The insurers were not allowed to earn profits from the mandated benefit package, although they have always been able to profit from the sale of actuarially priced supplementary benefits (mainly superior amenities).

Regulations require "a 25-year-old and an 80-year-old individual pay a given insurer the same premium for the same type of policy..Overall, then, the Swiss health system is a variant of the highly government-regulated social insurance systems of Europe..that rely on ostensibly private, nonprofit health insurers that also are subject to uniform fee schedules and myriad government regulations." [3]






Health care spending, in U.S. dollars PPP-adjusted, in Switzerland per capita from 1998 to 2008


The insured pays the insurance premium for the basic plan up to 8% of their personal income. If a premium is higher than this, then the government gives the insured a cash subsidy to pay for any additional premium. [1]

en.wikipedia.org