DNAt do it
The thorniest problem in all insurance is long term illness. Everyone knows the moral hazard of insureds lying; most people know in their gut the equally important problem of insurers lying. It's just as much in their interest to not pay known claims as it is for insureds to not know known claims, as my buddy Don might say.
It's a problem, for governments paying health care and regulating it, for insureds, for insurers. What do you do when someone has a chronic, years-long condition? Unless they had a good policy at the beginning of it, then what they have is a debt, not an insurable condition.
Now the feds say insurers have to issue insurance when diseases are known.
That's fine, but it makes as much sense as having insurance companies cover our automobile debt. Maybe we should offer them the choice.
posted by ColumbusGuy @ 3:32 AM
5 Comments:
C'mon, CG, you can do it. You properly identified the problem, now just take the leap and name the solution: "socialized medicine." I'd like me and my family to be insured against being bankrupted by a chronic, years-long condition, whether it occurs at a time I'm well-insured or between jobs. That's the kind of claim only the government has a big enough pool of potential insureds to properly spread the risk over.
You did see this, when commenting about insureds lying? Seems very similar to the practice of secretly video taping people with neck or back injuries.
Perhaps you forgot that failure to obtain insurance when you have an "expensive" condition means you will die much sooner from lack of treatment? There's plenty published on it one example, another from Ohio. What is it worth to you to have your family members receive needed treatment? Would you rather that a chronic-disease diagnosis results in capital punishment? Maybe you would agree with spending federal tax revenues on wars instead of health care for all?
It stopped being "insurance" quite awhile ago.
AAGuy
Hey, I must be channeling CG: I now find the term "federal tax revenues" gives me the same Orwellian discomfort as "war on terror."
Speaking of socialized medicine, why isn't Hillary demanding a debate with Obama? She should call for it day and night. She should call him a chicken. She should question his manhood.
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