Forums: Community: The Soap Box:
Why we need healthcare reform
RSS FeedRSS Feeds for The Soap Box

Premier Sponsor:

 
First page Previous page 1 2 3 4 Next page Last page  View All


petsfed


Mar 28, 2012, 9:43 AM
Post #1 of 77 (2186 views)
Shortcut

Registered: Sep 24, 2002
Posts: 8585

Why we need healthcare reform
Report this Post
Can't Post

I'm ignoring the currently battled supreme court issue, regarding obamacare. I was just reading an article in the New York Times (here) that brought into staggering relief exactly why we need health care reform, and why the individual mandate is so necessary to Obama's version:

In reply to:
“I’m in good shape, I don’t eat meat, I don’t drink excessively, I’ve never smoked,” said Mr. Lodor, 53, who estimates he would have to spend at least $1,200 a month to cover himself and his college-age daughter. “The last thing I’m going to do is not pay my rent because I have to pay for some state-mandated health coverage that I don’t think I need.”

In other words, "I don't think car wrecks can happen to me, and don't understand how plan cost and rate of usage are connected. Also, I plan on killing myself well before I reach age 55."

I understand the arguments against letting the government force you to buy a product (I don't think they hold water here, since the government has gone to war to ensure that I get a good price on other products, but that's a whole other kettle of fish), but I don't understand the arguments against getting health insurance.

When this guy gets injured, everybody else at the hospital he goes to picks up the bill in the form of higher medical bills, and therefore higher insurance rates.


Allfred


Mar 28, 2012, 10:15 AM
Post #2 of 77 (2176 views)
Shortcut

Registered: Aug 29, 2011
Posts: 418

Re: [petsfed] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

All of that assumes that he doesn't pay, right? And that he has no assets to claim, right? Or that he files for bankruptcy?


flesh


Mar 28, 2012, 10:53 AM
Post #3 of 77 (2162 views)
Shortcut

Registered: Mar 11, 2011
Posts: 413

Re: [Allfred] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

As you mentioned, you're opening a can of worms if you give congress the power and set the precedent to force individual's to buy anything. What's next?

Supposing that paying ahead of time does in fact cut average total healthcare costs for the individual over a lifetime, if proven, would make for a more powerful argument.

If many including obama are so convinced that it will cut costs on a national scale, test it in a state first. Then we'll talk.

A company would never test a new idea on a massive scale without first testing it on a smaller scale. On a new mail marketing campaign you don't mail 100 million mailpieces to test, maybe you mail 10k or 100k depending on your companies volume. You control for as many variables as possible. Over time you find that it is/is not working and you increase/decrease it/restructure it.

Apparently half the states are for Obamacare. Let one of them prove it to all us it cut costs. Until then, you're simply following unproven emotional hope.

I understand that supposedly as more people buy (are forced) to buy healtcare the cost should come down. Because of this the notion is that we should make the whole country pay. This is flawed and potentially debilitating logic. Start with a state, if you can't get the costs down say, 5%, there's no point. If you can, there's are argument with actual data to point to showing predictable results, maybe it would save 25% if the whole country did it.

If we come that far, let's keep it a states issue. Let the states have most of the control over what they do with this hypothetical proven healthcare. Spread the power around to all of the states, don't centralize it. Plus, over time, different states would test largely or slightly different things from policies to procedures to how to build the buildings floor plans, on and on. This way we have many people testing many things, over time, things that work will be used in all of them and things that don't weeded out.


petsfed


Mar 28, 2012, 11:26 AM
Post #4 of 77 (2146 views)
Shortcut

Registered: Sep 24, 2002
Posts: 8585

Re: [flesh] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

The quoted guy lives in Massachusetts, home of Romneycare, where healthcare costs had spiraled almost completely out of control. Unfortunately, the data is muddied by a variety of factors, but it has definitely decreased the number of people in Massachusetts who are completely unable to pay.

My point was that insurance only works if your healthy pool is significantly larger than your unhealthy pool, and it definitely doesn't work if an insurance company has to sell to you, but there's no (or minimal) incentive to buy health insurance when you don't need it.

Something tells me that the individual mandate will fall to constitutional claims, but the GOP better reverse the trend of the last three years and repeal it in that case, else they will completely destroy the insurance industry (not that that would necessarily be a bad thing, then we could switch over to single-payer, a system tested worldwide for decades).


traddad


Mar 28, 2012, 12:34 PM
Post #5 of 77 (2129 views)
Shortcut

Registered: Dec 14, 2001
Posts: 7129

Re: [petsfed] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

petsfed wrote:
Unfortunately, the data is muddied by a variety of factors, but it has definitely decreased the number of people in Massachusetts who are completely unable to pay.


data are... just sayin'.


Edited to add: God, I'm SUCH a prick.


(This post was edited by traddad on Mar 28, 2012, 12:48 PM)


pinktricam


Mar 28, 2012, 2:02 PM
Post #6 of 77 (2107 views)
Shortcut

Registered: Jan 8, 2003
Posts: 7947

Re: [traddad] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

traddad wrote:
Edited to add: God, I'm SUCH a prick.

Roger that.


gmggg


Mar 28, 2012, 2:29 PM
Post #7 of 77 (2098 views)
Shortcut

Registered: Jun 25, 2009
Posts: 2099

Re: [traddad] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

traddad wrote:
petsfed wrote:
Unfortunately, the data is muddied by a variety of factors, but it has definitely decreased the number of people in Massachusetts who are completely unable to pay.


data are... just sayin'.


Edited to add: God, I'm SUCH a prick.

Or perhaps...datum is?

Healthcare in Mass is interesting. They definitely nailed the insurance side of the occasion pretty well, they've got 98% of the people covered and decent systems in place for the other 2% of residents and miscellaneous uninsured that make there way into the healthcare system.

We don't have dramatically lower costs however. In fact I think in some areas we've increased cost. But, cost cutting was never built in to the original plans, nor is it really built into the federal version either. These initiatives are all about health insurance and preventing people from falling prey to their own ignorance.

Mass started more recently to begin dealing with the cost side of the equation. It's probably a harder battle than insurance but undoubtedly having large ranks of insured people to protect will help justify the involvement of the state government in regulating care. Whereas with a completely private marketplace the state's oversight of cost is quite a bit more difficult. One change that's in the works is a global payment system that would change the current pay-per-service model into an annual lump sum payment per patient. I can't see that idea working itself into the private sector without a body like a government creating the types of organizational structure and rules needed to ensure cooperation.


curt


Mar 28, 2012, 3:34 PM
Post #8 of 77 (2086 views)
Shortcut

Registered: Aug 26, 2002
Posts: 18226

Re: [flesh] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

flesh wrote:
As you mentioned, you're opening a can of worms if you give congress the power and set the precedent to force individual's to buy anything. What's next?

Supposing that paying ahead of time does in fact cut average total healthcare costs for the individual over a lifetime, if proven, would make for a more powerful argument.

If many including obama are so convinced that it will cut costs on a national scale, test it in a state first. Then we'll talk...

All you need to do is look at Canada, France, Taiwan, Germany, UK, etc., etc. to see that better healthcare than we have in the USA can be provided much more cheaply. This is not a matter of speculation.

Curt


petsfed


Mar 28, 2012, 4:14 PM
Post #9 of 77 (2077 views)
Shortcut

Registered: Sep 24, 2002
Posts: 8585

Re: [traddad] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

Fuck, data are muddied. Goddamn shitty ass chimerical language.


styndall


Mar 28, 2012, 4:19 PM
Post #10 of 77 (2074 views)
Shortcut

Registered: May 29, 2002
Posts: 2741

Re: [petsfed] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

petsfed wrote:
Fuck, data are muddied. Goddamn shitty ass chimerical language.

'Data' can be singular or plural. Don't mind pedants, particularly when they're wrong.


guangzhou


Mar 28, 2012, 8:19 PM
Post #11 of 77 (2052 views)
Shortcut

Registered: Sep 26, 2004
Posts: 3388

Re: [petsfed] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

French I agree, I rather pay rent than insurance. If I had to choose between the two, I'd choose a roof over my head.

I am both French and American, so I enjoy hearing the two comparison, especially when Americans say they think the French Medical Health Care Insure is so great. (I'll add, the French don't used a socialize system for medical coverage)

French Health Care is so great, they have been operating in the Red since the late 1980s.

France is the size of a State, the all the U.S. and the Healthcare expected deficit this year is between 10 and 11 Billion Euros.


The French system get more and more expensive every year, so will the American. Rising Drug Cost and Unemployment alone will mean the budget has to grow every year. More and more people in retirement will mean lower contribution and more output.

I left France when I was to young to pay taxes. never paid on pennie into the sytem, but if I want, I can move there tomorow and get full benefit. I knew a French guy who moved to America when he was 6 months old. When he was seriously injured in a climbing accident, he moved to France, now he collects full medical disability stipend. ($$$every month) Get full medical treatment free of charge, and is climbing around Europe because he has a full recovery but suffer for Arthritis so can't work. The system sucks, healthy people are paying for him to be a full-time climber because he doesn't feel like working anymore.

More later, got to take half a dozen kids climbing.

Eman


(This post was edited by guangzhou on Mar 28, 2012, 8:23 PM)


curt


Mar 28, 2012, 8:34 PM
Post #12 of 77 (2048 views)
Shortcut

Registered: Aug 26, 2002
Posts: 18226

Re: [guangzhou] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

guangzhou wrote:
I am both French and American, so I enjoy hearing the two comparison, especially when Americans say they think the French Medical Health Care Insure is so great. (I'll add, the French don't used a socialize system for medical coverage)

You're an idiot.

Wikipedia wrote:
The French health care system is one of universal health care largely financed by government national health insurance. In its 2000 assessment of world health care systems, the World Health Organization found that France provided the "best overall health care" in the world.[1] In 2005, France spent 11.2% of GDP on health care, or US$3,926 per capita, a figure much higher than the average spent by countries in Europe but less than in the US. Approximately 77% of health expenditures are covered by government funded agencies.

Curt


guangzhou


Mar 28, 2012, 11:00 PM
Post #13 of 77 (2030 views)
Shortcut

Registered: Sep 26, 2004
Posts: 3388

Re: [curt] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

Wiki Wiki Wiki:

Instead of reading about the system, I have to deal with it. Just like I have t deal with the American system. While I only pay small attention to the overall system, I have been following for over a decade. It's a big topic for every election in France.

The cost of French health care, which for decades has been in a deficit, if roughly 10% of France's Gross National Income. Keep in mind, this is with a deficit. Eventually, those cost that have not been getting covered will have to be paid.

The government covers "almost everything," but contribution are made to the system from the individual paycheck check, matched by employers, much like social security in America.

It's not free, it's actually quite expensive. And like American Social Security, France is struggling to figure out how to maintain it in the future. They are currently closing hospitals that are "not performing to standards." Standards created much like they were for the "No Child Left Behind," nice on paper, sounds good when spoken about, but shit when they visit the real world.

Once you have this standard insurance, you are covered for general treatment, but not for all things. To get full coverage, you need to contribute to Assurance Complémentaire de Santé. This is the system benefits most American hear about. A combination of State insurance and private insurance working together. (Not Socialist really)


petsfed


Mar 29, 2012, 8:00 AM
Post #14 of 77 (2010 views)
Shortcut

Registered: Sep 24, 2002
Posts: 8585

Re: [guangzhou] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

The thing for me is that if I have to pay in to be responsible, then I don't really care who I'm writing the check to. To be honest, I'd prefer that the money I pay in isn't spent on bonuses, advertising, or anything else that isn't somebody's medical bills. At the moment, being a health care provider looks a bit like like having a license to print money because we absolutely cannot do without their service, so they can charge as much as they please. Take the profit out of the equation, and becomes something to the effect of "honest pay for an honest day's work". Doctors are well paid, and rightly so, but they spend most of that on *insurance*. Insurance executives (not claims adjusters) are well paid because they've managed to trick most of the population into giving them money and working just as hard as they can to not deliver the service they promised. Thus, health care reform is vital, and people saying "I don't need health care" are too dumb to realise that they are the patient side of the problem.


(This post was edited by petsfed on Mar 29, 2012, 8:00 AM)


flesh


Mar 29, 2012, 8:57 PM
Post #15 of 77 (1974 views)
Shortcut

Registered: Mar 11, 2011
Posts: 413

Re: [guangzhou] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

guangzhou wrote:
Wiki Wiki Wiki:

Instead of reading about the system, I have to deal with it. Just like I have t deal with the American system. While I only pay small attention to the overall system, I have been following for over a decade. It's a big topic for every election in France.

The cost of French health care, which for decades has been in a deficit, if roughly 10% of France's Gross National Income. Keep in mind, this is with a deficit. Eventually, those cost that have not been getting covered will have to be paid.

The government covers "almost everything," but contribution are made to the system from the individual paycheck check, matched by employers, much like social security in America.

It's not free, it's actually quite expensive. And like American Social Security, France is struggling to figure out how to maintain it in the future. They are currently closing hospitals that are "not performing to standards." Standards created much like they were for the "No Child Left Behind," nice on paper, sounds good when spoken about, but shit when they visit the real world.

Once you have this standard insurance, you are covered for general treatment, but not for all things. To get full coverage, you need to contribute to Assurance Complémentaire de Santé. This is the system benefits most American hear about. A combination of State insurance and private insurance working together. (Not Socialist really)

When I was in France, the Gite owner I ate breakfast with for three weeks said he and his wife pay an addtional 200/month for private insurance.


Whoever said it's not a matter of speculation. Making the giant assumption that any other country is like ours and betting hundreds of billions or trillions on it, is a bad bet. Like I said, prove it in a state. Then we'll have a real converstation. If it becomes so obvious as you suggest, then it shouldn't take long to prove it in a state and the numbers will hold merit with everybody, including me. Until then, it's a false premise.

There are many variables between countries, this is fact, so why not test it on a smaller scale and go from there?


guangzhou


Mar 29, 2012, 9:26 PM
Post #16 of 77 (1969 views)
Shortcut

Registered: Sep 26, 2004
Posts: 3388

Re: [flesh] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

flesh wrote:
guangzhou wrote:
Wiki Wiki Wiki:

Instead of reading about the system, I have to deal with it. Just like I have t deal with the American system. While I only pay small attention to the overall system, I have been following for over a decade. It's a big topic for every election in France.

The cost of French health care, which for decades has been in a deficit, if roughly 10% of France's Gross National Income. Keep in mind, this is with a deficit. Eventually, those cost that have not been getting covered will have to be paid.

The government covers "almost everything," but contribution are made to the system from the individual paycheck check, matched by employers, much like social security in America.

It's not free, it's actually quite expensive. And like American Social Security, France is struggling to figure out how to maintain it in the future. They are currently closing hospitals that are "not performing to standards." Standards created much like they were for the "No Child Left Behind," nice on paper, sounds good when spoken about, but shit when they visit the real world.

Once you have this standard insurance, you are covered for general treatment, but not for all things. To get full coverage, you need to contribute to Assurance Complémentaire de Santé. This is the system benefits most American hear about. A combination of State insurance and private insurance working together. (Not Socialist really)

When I was in France, the Gite owner I ate breakfast with for three weeks said he and his wife pay an addtional 200/month for private insurance.


Whoever said it's not a matter of speculation. Making the giant assumption that any other country is like ours and betting hundreds of billions or trillions on it, is a bad bet. Like I said, prove it in a state. Then we'll have a real converstation. If it becomes so obvious as you suggest, then it shouldn't take long to prove it in a state and the numbers will hold merit with everybody, including me. Until then, it's a false premise.

There are many variables between countries, this is fact, so why not test it on a smaller scale and go from there?

I would support a small population test like you recommend no problem.


guangzhou


Mar 29, 2012, 9:27 PM
Post #17 of 77 (1967 views)
Shortcut

Registered: Sep 26, 2004
Posts: 3388

Re: [petsfed] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

petsfed wrote:
The thing for me is that if I have to pay in to be responsible, then I don't really care who I'm writing the check to. To be honest, I'd prefer that the money I pay in isn't spent on bonuses, advertising, or anything else that isn't somebody's medical bills. At the moment, being a health care provider looks a bit like like having a license to print money because we absolutely cannot do without their service, so they can charge as much as they please. Take the profit out of the equation, and becomes something to the effect of "honest pay for an honest day's work". Doctors are well paid, and rightly so, but they spend most of that on *insurance*. Insurance executives (not claims adjusters) are well paid because they've managed to trick most of the population into giving them money and working just as hard as they can to not deliver the service they promised. Thus, health care reform is vital, and people saying "I don't need health care" are too dumb to realise that they are the patient side of the problem.

Last I checked, the Federal Government wasn't so good at managing it's budget.


curt


Mar 29, 2012, 10:43 PM
Post #18 of 77 (1958 views)
Shortcut

Registered: Aug 26, 2002
Posts: 18226

Re: [flesh] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

flesh wrote:
Whoever said it's not a matter of speculation. Making the giant assumption that any other country is like ours and betting hundreds of billions or trillions on it, is a bad bet. Like I said, prove it in a state. Then we'll have a real converstation. If it becomes so obvious as you suggest, then it shouldn't take long to prove it in a state and the numbers will hold merit with everybody, including me. Until then, it's a false premise..

I'm afraid the burden is on you to prove it's a false premise. The data is already out there--as are other templates we could adopt. Unless you can explain logically and in detail why every other western democracy in the world can implement government healthcare--with the result being better healthcare at lower cost (and we can't) you're just talking out of your ass.

Curt


curt


Mar 29, 2012, 10:49 PM
Post #19 of 77 (1956 views)
Shortcut

Registered: Aug 26, 2002
Posts: 18226

Re: [guangzhou] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

guangzhou wrote:
flesh wrote:
There are many variables between countries, this is fact, so why not test it on a smaller scale and go from there?

I would support a small population test like you recommend no problem.

Did you both fail Econ 101 or do you both just not understand how insurance works? The only way to minimize individual costs is to have a single large and inclusive pool of insured people.

Curt


guangzhou


Mar 29, 2012, 11:45 PM
Post #20 of 77 (1945 views)
Shortcut

Registered: Sep 26, 2004
Posts: 3388

Re: [curt] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

curt wrote:
guangzhou wrote:
flesh wrote:
There are many variables between countries, this is fact, so why not test it on a smaller scale and go from there?

I would support a small population test like you recommend no problem.

Did you both fail Econ 101 or do you both just not understand how insurance works? The only way to minimize individual costs is to have a single large and inclusive pool of insured people.

Curt

Another words, 99 healthy people who avoid bad health habits paying to medicate 1 person who isn't.


(This post was edited by guangzhou on Mar 29, 2012, 11:49 PM)


guangzhou


Mar 29, 2012, 11:48 PM
Post #21 of 77 (1943 views)
Shortcut

Registered: Sep 26, 2004
Posts: 3388

Re: [curt] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

curt wrote:
flesh wrote:
Whoever said it's not a matter of speculation. Making the giant assumption that any other country is like ours and betting hundreds of billions or trillions on it, is a bad bet. Like I said, prove it in a state. Then we'll have a real converstation. If it becomes so obvious as you suggest, then it shouldn't take long to prove it in a state and the numbers will hold merit with everybody, including me. Until then, it's a false premise..

I'm afraid the burden is on you to prove it's a false premise. The data is already out there--as are other templates we could adopt. Unless you can explain logically and in detail why every other western democracy in the world can implement government healthcare--with the result being better healthcare at lower cost (and we can't) you're just talking out of your ass.

Curt

France Health care, 30 years of deficit. People pay more from their paycheck into the system today than they did 30 years ago and get a bit less. If they want the same, they need to buy extended coverage.


Partner j_ung


Mar 30, 2012, 5:11 AM
Post #22 of 77 (1933 views)
Shortcut

Registered: Nov 21, 2003
Posts: 18687

Re: [flesh] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

flesh wrote:
As you mentioned, you're opening a can of worms if you give congress the power and set the precedent to force individual's to buy anything. What's next?

Congress has already forced people to buy things. An example: OSHA regulations require companies to enter into private contracts for safety equipment. And we all know that, according to the GOP, corporations are people.

Alright all facetiousness aside... I get no insurance from my employer. I have a wife and a son, and both my wife and I have "pre-existing conditions." My wife has a few of them, and each one requires medication to control—even with a very conscientious diet and other preventative steps. We know that without insurance, if she has to go to the hospital, somebody will pay for it, but nobody will pay for the treatment necessary to keep her out of the hospital except us. We're not low-income enough to qualify for state aid.

So, we entered the private insurance market. After having spent years there, I can tell you without any hesitation or uncertainty, that if everybody in the country was in our situation every last one of you motherfuckers would be Democrats.

"Entitlement?" Fuck that word. I don't think we have any sort of right to unlimited healthcare. But I do think that making sure everybody in America has it when they need it—even prior to that hypothetical last-ditch trip to the ER—should be part and parcel of our American values.

If the GOP succeeds in eliminating every part of this bill, especially those regarding pre-existing conditions and my access to PCIP* if I need it, I will never forgive them. I will never even consider voting for a Republican ever again.

Special note: as for the guy in the article who claims health insurance will cost him $1200 a month, he's off by about $800/month if all he needs is a high-deductible major-med policy, and that's before the federal subsidy that is part of this law, which make his error more along the lines of $1000/month. That's what happens when you've never had to buy your own insurance—you can't begin to understand what it's actually like.

*We don't use PCIP, because others need it more, and we don't want to be a burden on the system.


(This post was edited by j_ung on Mar 30, 2012, 5:14 AM)


Partner j_ung


Mar 30, 2012, 5:19 AM
Post #23 of 77 (1928 views)
Shortcut

Registered: Nov 21, 2003
Posts: 18687

Re: [guangzhou] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

guangzhou wrote:
curt wrote:
guangzhou wrote:
flesh wrote:
There are many variables between countries, this is fact, so why not test it on a smaller scale and go from there?

I would support a small population test like you recommend no problem.

Did you both fail Econ 101 or do you both just not understand how insurance works? The only way to minimize individual costs is to have a single large and inclusive pool of insured people.

Curt

Another words, 99 healthy people who avoid bad health habits paying to medicate 1 person who isn't.

I'm sorry, but are you saying my wife's pre-existing conditions are the result of bad health habits?


guangzhou


Mar 30, 2012, 5:52 AM
Post #24 of 77 (1919 views)
Shortcut

Registered: Sep 26, 2004
Posts: 3388

Re: [j_ung] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

j_ung wrote:
flesh wrote:
As you mentioned, you're opening a can of worms if you give congress the power and set the precedent to force individual's to buy anything. What's next?

Congress has already forced people to buy things. An example: OSHA regulations require companies to enter into private contracts for safety equipment. And we all know that, according to the GOP, corporations are people. .

Doesn't require those private companies to buy those safety product from the Federal Government.


scrapedape


Mar 30, 2012, 5:55 AM
Post #25 of 77 (1914 views)
Shortcut

Registered: Jun 23, 2004
Posts: 2392

Re: [curt] Why we need healthcare reform [In reply to]
Report this Post
Can't Post

guangzhou wrote:
flesh wrote:
There are many variables between countries, this is fact, so why not test it on a smaller scale and go from there?

I would support a small population test like you recommend no problem.

First, it has already been tested on a small scale. Have you heard of Massachusetts?

Second, you can't maintain a patchwork like this over the long term. Over the long term, sicker people can elect to move to states that require companies to sell insurance, driving up costs in those states. It's the exact same adverse selection problem as we had before, though admittedly people have to move in order to opt in. Think that's unlikely? Not everyone has to do it... just the people with a strong incentive, i.e. those who are really sick and have really high costs.

curt wrote:
guangzhou wrote:
flesh wrote:
There are many variables between countries, this is fact, so why not test it on a smaller scale and go from there?

I would support a small population test like you recommend no problem.

Did you both fail Econ 101 or do you both just not understand how insurance works? The only way to minimize individual costs is to have a single large and inclusive pool of insured people.

Curt

Well the Econ 101 answer is probably that the best situation would be if insurers knew everyone's exact risk profile in advance. The strongest rationale (from an economics perspective) for government intervention in the health insurance market is that patients have a better idea of their risks than insurers do. Practically speaking, we're not likely to resolve that anytime soon, so I guess that leaves us with a single large pool as the next best option.

First page Previous page 1 2 3 4 Next page Last page  View All

Forums : Community : The Soap Box

 


Search for (options)

Log In:

Username:
Password: Remember me:

Go Register
Go Lost Password?



Follow us on Twiter Become a Fan on Facebook