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>I wish other types of insurance (like health) were as easy to shop for as auto insurance. You can easily shop multiple insurers and compare prices from the com

>I wish other types of insurance (like health) were as easy to shop for as auto insurance. You can easily shop multiple insurers and compare prices from the comfort of your home and pick what works best for you. Libertarian here, healthcare.gov is this. Its great. well, its about as great as heavily bribed government sectors can be. https://www.opensecrets.org/lobby/top.php?indexType=s https://www.opensecrets.org/lobby/top.php?indexType=s

mberning 8y ago
Yeah, I wish they would do more to open up competition nationwide and unsaddle health insurance from employment. How ridiculous would it be if I needed to change car insurance every time I changed jobs. Stupid.
- beatgammit 8y ago
  Exactly. Once we remove health insurance from employment, I think everyone will be a lot happier. One of the biggest stressors in changing jobs is health insurance. If employees didn't have to worry about that, choosing a new job would be less of a problem (or quitting altogether to work on a business idea). Once the majority of people are buying their own health insurance, the market for doing so will improve, and we could see private alternatives to healthcare.gov, as well as more brokers willing to take that on. If I could change one thing about history, it would be wage and price controls during WW2 that got us into the situation of employers offering health insurance, and if I could change anything now, it would be eliminating that. I ran the math, and _most_ of our employees would've been better off buying from the market (e.g. through the subsidies they don't qualify for because our company offers insurance). I presented this to my boss, and he rejected it on the grounds that people expect the company to provide it. We need to kill that culture before we can seriously consider changing health insurance/care again.

mberning 8y ago

Yeah, I wish they would do more to open up competition nationwide and unsaddle health insurance from employment. How ridiculous would it be if I needed to change car insurance every time I changed jobs. Stupid.

beatgammit 8y ago
Exactly. Once we remove health insurance from employment, I think everyone will be a lot happier. One of the biggest stressors in changing jobs is health insurance. If employees didn't have to worry about that, choosing a new job would be less of a problem (or quitting altogether to work on a business idea). Once the majority of people are buying their own health insurance, the market for doing so will improve, and we could see private alternatives to healthcare.gov, as well as more brokers willing to take that on. If I could change one thing about history, it would be wage and price controls during WW2 that got us into the situation of employers offering health insurance, and if I could change anything now, it would be eliminating that. I ran the math, and _most_ of our employees would've been better off buying from the market (e.g. through the subsidies they don't qualify for because our company offers insurance). I presented this to my boss, and he rejected it on the grounds that people expect the company to provide it. We need to kill that culture before we can seriously consider changing health insurance/care again.