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I don't fully understand. Are you saying that in Switzerland it is illegal to have a group plan? This is something I felt would actually help the US move off
by bargl 7y ago
I don't fully understand. Are you saying that in Switzerland it is illegal to have a group plan?
This is something I felt would actually help the US move off of Employer based insurance for a while now.
If every person is charged the same amount for insurance regardless of being in a group then we can more easily break from employer based insurance. Especially when I can see X job offers me 100,000 but pays 500 a month for insurance. And Y job offers me 110,000 but pays 0 a month for insurance. I can do the math on which one is better if both plans are the same.
Anyway I'd love for the US to ban group plans completely. In the digital age it should be easy enough to administer a large plan with individuals instead of a group plan. I can see why after WW2 a group plan might have been better to administer, but I think at least most of those benefits no longer exist.
- seanmcdirmid 7y ago> Are you saying that in Switzerland it is illegal to have a group plan? Yes, group plans are not allowed. All residents are in the same risk pool. Also, all health insurance premiums are paid post tax (unless you are poor and get a subsidy). Employers themselves can only offer accident insurance.
- bargl 7y agoI love it. That's a practical way to force a more egalitarian system (Single payer or not) while not removing insurance companies in the mean time. Thanks for sharing.