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I’m fairly ok with arguments for public only health care but that said, why would detaching health insurance from employment require the end of private health i

• marcinzm 7y ago
  Essentially pre-existing conditions (including ones the patient knows about but are not on their medical file) are a mess to deal with as they significantly spike expected costs. Healthy people have little reason for good insurance and unhealthy people are desperate for it. Car insurance is similar but that's mitigate by it being mandatory and even then pre-existing conditions (ie: accident rates) can spike insurance a lot. You can deal with it I believe by making insurance mandatory for everyone, banning all groups plans and preventing pre-existing conditions from being taken into account. Probably need some more restrictions on the fifty other ways of gouging expensive patients by insurance companies. But then you basically have government run health insurance in everything but name.
  • kasey_junk 7y ago
    All of the forms of insurance I mentioned are extremely regulated. All of them have adverse selection effects. All of them have good populations and bad. None of them are associated with employment and you’d think someone was crazy for suggesting they should be.