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Old 09-06-2007, 08:07 AM   #41
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That would be good, but unfortuantely it doesn't work out that way in practice.

You mean it doesn't work except in all the other countries where it is already working?
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Old 09-06-2007, 09:08 AM   #42
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Old 09-06-2007, 12:09 PM   #43
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You mean it doesn't work except in all the other countries where it is already working?
Oh yes you can have a single payer system and it will work okay (if your into that sort of thing). I've been there, done that and don't want to go back. The cost savings won't materialize and I think it will cause more problems than the current system has.

It doesn't matter if the government is paying the bill directly or they use an insurance company as a intermediary (I don't know how you can add a third layer into the mix and have it be cheaper). The government still is the only payer. The end result is the government will state what they will pay. If they use an insurance company the insurance companies will have to start cutting how much they will pay, kind of like what we have now, except the doctors won't be able to bill the patients (that will have to be made illegal otherwise the new system won't work). The cost savings will not appear.
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Old 09-06-2007, 01:48 PM   #44
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If we are not able to pass some sort of "Universal Healthcare" for everyone (it is simply a political issue) then I think at a minimum we should pass regulations that force the insurance companies to offer some sort of coverage for those with pre-existing conditions. The idea that if you are in a group coverage then you are eligible after a waiting period and if you are in individual insurance you are excluded forever is just wrong. I personally hope that whatever system evolves it excludes the insurance companies. I think they have had their chance and they blew it simply because of their greed.

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Old 09-06-2007, 02:03 PM   #45
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If we are not able to pass some sort of "Universal Healthcare" for everyone (it is simply a political issue) then I think at a minimum we should pass regulations that force the insurance companies to offer some sort of coverage for those with pre-existing conditions. The idea that if you are in a group coverage then you are eligible after a waiting period and if you are in individual insurance you are excluded forever is just wrong. I personally hope that whatever system evolves it excludes the insurance companies. I think they have had their chance and they blew it simply because of their greed.

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There are a few states that force insurers to take all comers in the individual market. I live in one of them (NJ). This sounds good in principal, but what has happened is that few insurers will do any business in the state and premiums are EXTREMELY high ($1k a month for an individual and lousy coverage). Not clear of this would work any better nationally.
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Old 09-06-2007, 03:43 PM   #46
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There are a few states that force insurers to take all comers in the individual market. I live in one of them (NJ). This sounds good in principal, but what has happened is that few insurers will do any business in the state and premiums are EXTREMELY high ($1k a month for an individual and lousy coverage). Not clear of this would work any better nationally.
This is what you will have if the government decides to go with an insurance company as an intermediary.
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Old 09-06-2007, 03:50 PM   #47
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This is what you will have if the government decides to go with an insurance company as an intermediary.
Maybe, maybe not. Depends on how the system gets structured. Personally, I'd be happy to see healthcare nationalized.
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Old 09-06-2007, 04:08 PM   #48
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The problem with NJ is adverse selection. If everyone was covered and paid their share, the cost won't be near as high. You can do it through national health care or through some system that requires everyone to be insured and in groups that are not cherry picked, like Senator Wyden's plan. So far, Obama's plan is weak because he doesn't require all to be insured.
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