Originally Posted by mpeirce
The system would then benefit from market feedback on what bundles of coverage people actually value and are willing or not willing to pay for. That seems better than some "smart person" in Washington telling us all what is best for us.
Except most healthcare insurers will make up "packages" of desired coverage based on utilization and on focus groups.
Market feedback becomes a moot exercise. People don't know what they need. Today you feel well, and only see a doctor once a year, sometimes you just go to the pharmacy for a flu shot. This afternoon, you get hit in the parking lot as you roll your grocery cart to your car. Now you need hospitalization, physical therapy, and drug therapy.
If healthcare was really a commodity, then people would pick packages of coverage. But healthcare is not a commodity when we hold others accountable (work site injury, automobile accident, tobacco companies) for our health.
For the most part, the two politicians' plans are election rhetoric. That's health care coverage by committee and anything designed by committee is guaranteed not to work for everyone.