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> For those of us lucky enough to be in good health It's a common refrain that only people with health problems need health care, but that's just not true. Ris
by cheriot 7y ago
> For those of us lucky enough to be in good health
It's a common refrain that only people with health problems need health care, but that's just not true. Risk has a price. That's why health care and life insurance for healthy people is not free. Good health just makes it easier to pretend that risk isn't there.
Tying health care to employment is a historical accident long overdue for change.
- WalterBright 7y ago> Tying health care to employment is a historical accident long overdue for change. Ironically, it came about because of wage freezes imposed by the government during WW2. Employers had to find something to offer to attract workers, and employer-paid insurance did the trick. The trap, though, was that employer paid insurance was paid with pre-tax dollars, while if you bought it yourself you'd pay in post-tax dollars, making it far more expensive.
- cheriot 7y agoThat's an interesting tidbit of history. Thanks
- erik_seaberg 7y agoAlso adverse selection. Healthy people are tempted to only pay for catastrophic or no coverage, so a lot of individual policy buyers are sicker than the average employee in a group policy (because large companies cover everyone).
- moduspol 7y ago> Tying health care to employment is a historical accident long overdue for change. This, 100%. It wouldn't solve everything, but it'd be a huge positive step to roll back tax incentives that encourage this.