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> I've long said the big mistake is tying health insurance to employment is the problem > I'm against socialize health insurance You have directly contradicte

> I've long said the big mistake is tying health insurance to employment is the problem > I'm against socialize health insurance You have directly contradicted yourself.

eadmund 3y ago
No, health insurance could be like almost any other insurance: bought by the individual, not by his employer or the state.
- HWR_14 3y ago
  The ACA is how that was implemented. I can now buy my insurance as an individual.
  - bluGill 3y ago
    No you can't. Well if you work for a small company, or don't have a job you can. However anyone working for a company with any size has to come up with the $1000+ per month their employer throws into the company insurance plan that they don't get by going with ACA. So sure you can, but it is so move few can afford so we may as well say you cannot.
    - HWR_14 3y ago
      Unless the employer offers you the $1000+ per month to opt out and get your own insurance, which quite a few do. Or, as more companies have been doing, just subsidizing your choice of plan through the marketplace so they don't have to think about it.
nkohari 3y ago
Well, the other option is to make it possible to affordably purchase insurance directly from carriers without your employer being involved at all. I've always been skeptical that having your employer negotiate for you in these cases is actually more beneficial than a true free market. Personally, I'd rather we figure out how to have at least some real baseline of public healthcare, but what we have today feels like the worst of both options.
elteto 3y ago
No he didn't. To prove he didn't, for example, look at car and home insurance. Not tied to your employer and not "socialized" either.
- idontpost 3y ago
  [dead]
- koolba 3y ago
  Car and home insurance both have a socialized component. Check your policy for an “uninsured driver charge”. Similar concepts exist for home insurance. And we all pay for flood insurance as it’s heavily subsidized by tax dollars.
  - elteto 3y ago
    Uninsured driver protection is not socialized, everyone is just forced to pay for it, the state doesn’t pay it. And this requirement as well as minimum coverages will vary by state, for example, Florida doesn’t mandate it. And honestly the fact about flood insurance even if it’s true is only an implementation detail. The point stands: you can have strong insurance markets with multiple private options in a well regulated environment without being tied to your employer or just a public option.
    - koolba 3y ago
      > Uninsured driver protection is not socialized, everyone is just forced to pay for it, the state doesn’t pay it. Being forced to pay for something to share the cost across a set of people is the definition of socialized. The implementation detail is that it’s shared by all purchasers of insurance as opposed to the population as a whole. > The point stands: you can have strong insurance markets with multiple private options in a well regulated environment without being tied to your employer or just a public option. There is no such market for flood insurance. I don’t think it’s possible to fix the US medical insurance system without banning corporate health plans. It’s the only way to unify the risk pools. Not just removing the tax incentive for corporate plans, I mean banning the concept so that the pools are unified.

> I've long said the big mistake is tying health insurance to employment is the problem > I'm against socialize health insurance You have directly contradicted yourself.

eadmund 3y ago

No, health insurance could be like almost any other insurance: bought by the individual, not by his employer or the state.

HWR_14 3y ago
The ACA is how that was implemented. I can now buy my insurance as an individual.
- bluGill 3y ago
  No you can't. Well if you work for a small company, or don't have a job you can. However anyone working for a company with any size has to come up with the $1000+ per month their employer throws into the company insurance plan that they don't get by going with ACA. So sure you can, but it is so move few can afford so we may as well say you cannot.
  - HWR_14 3y ago
    Unless the employer offers you the $1000+ per month to opt out and get your own insurance, which quite a few do. Or, as more companies have been doing, just subsidizing your choice of plan through the marketplace so they don't have to think about it.

nkohari 3y ago

Well, the other option is to make it possible to affordably purchase insurance directly from carriers without your employer being involved at all. I've always been skeptical that having your employer negotiate for you in these cases is actually more beneficial than a true free market. Personally, I'd rather we figure out how to have at least some real baseline of public healthcare, but what we have today feels like the worst of both options.

elteto 3y ago

No he didn't. To prove he didn't, for example, look at car and home insurance. Not tied to your employer and not "socialized" either.

idontpost 3y ago
[dead]
koolba 3y ago
Car and home insurance both have a socialized component. Check your policy for an “uninsured driver charge”. Similar concepts exist for home insurance. And we all pay for flood insurance as it’s heavily subsidized by tax dollars.
- elteto 3y ago
  Uninsured driver protection is not socialized, everyone is just forced to pay for it, the state doesn’t pay it. And this requirement as well as minimum coverages will vary by state, for example, Florida doesn’t mandate it. And honestly the fact about flood insurance even if it’s true is only an implementation detail. The point stands: you can have strong insurance markets with multiple private options in a well regulated environment without being tied to your employer or just a public option.
  - koolba 3y ago
    > Uninsured driver protection is not socialized, everyone is just forced to pay for it, the state doesn’t pay it. Being forced to pay for something to share the cost across a set of people is the definition of socialized. The implementation detail is that it’s shared by all purchasers of insurance as opposed to the population as a whole. > The point stands: you can have strong insurance markets with multiple private options in a well regulated environment without being tied to your employer or just a public option. There is no such market for flood insurance. I don’t think it’s possible to fix the US medical insurance system without banning corporate health plans. It’s the only way to unify the risk pools. Not just removing the tax incentive for corporate plans, I mean banning the concept so that the pools are unified.