5 ms·

I can buy car insurance or pretty much any kind of insurance on the market, and there is suitable oversight. This does not exist for medical insurance. What I

I can buy car insurance or pretty much any kind of insurance on the market, and there is suitable oversight. This does not exist for medical insurance. What I mean by that is if I work for a large company, I can get access to health insurance that I cannot buy on the market myself. If that company changes insurers to a crappy one, my only choice is to change employers to one that provides access to a better insurer. If I self employ, I cannot get access to those plans. Insurers should be forced to sell in a single market all the plans they offer. Insurer like to talk about "economy of scale" with large employers, but that is an artificial limit. Why should insurance pools be limited to who works at a company?

rqtwteye 4y ago
“Insurers should be forced to sell in a single market all the plans they offer. Insurer like to talk about "economy of scale" with large employers, but that is an artificial limit. Why should insurance pools be limited to who works at a company?” Very true. There should be one insurance pool. Either state or nationwide.
- ecommerceguy 4y ago
  There we're state pools until Obamacare wiped those away.
  - rqtwteye 4y ago
    Not really. A lot of people never were able to get insurance at all or lost it once they got sick. There should be one pool where everybody can get insurance regardless of agr, employment status or preconditions. Insurers should compete for that pool.
    - ecommerceguy 4y ago
      That being said, I think uninsured drivers should go to jail/pay hefty fine/lose driving privileges, but many do not. Maybe one pool for car insurance as well?
  - ceejayoz 4y ago
    I presume you're referring to state high risk pools, which were horrific.
    - ecommerceguy 4y ago
      Correct, and ACA EPO plans aren't an improvement, by many measures.
lr4444lr 4y ago
That... ...isn't what I was talking about?
HWR_14 4y ago
That's what the ACA already fixed. Insurers are forced to sell into that single market all the plans they offer in your state that are open to individuals. If you don't like your employers plan, you can just buy insurance on the ACA marketplace and decline your employers plan. Your risk pool will be other people of the same sex and age in your state. If your complaint is that employers have access to better insurance plans on private offer, well that's true. Walmart also has self-insured property/auto coverage not available to smaller companies. But COBRA let's you stay on your employers plan if you leave for up to a year (at a pretty high cost) so that's a thing.

rqtwteye 4y ago

“Insurers should be forced to sell in a single market all the plans they offer. Insurer like to talk about "economy of scale" with large employers, but that is an artificial limit. Why should insurance pools be limited to who works at a company?” Very true. There should be one insurance pool. Either state or nationwide.

ecommerceguy 4y ago
There we're state pools until Obamacare wiped those away.
- rqtwteye 4y ago
  Not really. A lot of people never were able to get insurance at all or lost it once they got sick. There should be one pool where everybody can get insurance regardless of agr, employment status or preconditions. Insurers should compete for that pool.
  - ecommerceguy 4y ago
    That being said, I think uninsured drivers should go to jail/pay hefty fine/lose driving privileges, but many do not. Maybe one pool for car insurance as well?
- ceejayoz 4y ago
  I presume you're referring to state high risk pools, which were horrific.
  - ecommerceguy 4y ago
    Correct, and ACA EPO plans aren't an improvement, by many measures.

lr4444lr 4y ago

That... ...isn't what I was talking about?

HWR_14 4y ago

That's what the ACA already fixed. Insurers are forced to sell into that single market all the plans they offer in your state that are open to individuals. If you don't like your employers plan, you can just buy insurance on the ACA marketplace and decline your employers plan. Your risk pool will be other people of the same sex and age in your state. If your complaint is that employers have access to better insurance plans on private offer, well that's true. Walmart also has self-insured property/auto coverage not available to smaller companies. But COBRA let's you stay on your employers plan if you leave for up to a year (at a pretty high cost) so that's a thing.