5 ms·
You are hinting at the edges of the issue: mis-aligned incentives. A big problem is that your health care is tied to your employer for most people (WW2 is over,
by snarf21 2y ago
You are hinting at the edges of the issue: mis-aligned incentives. A big problem is that your health care is tied to your employer for most people (WW2 is over, we need to stop this practice). It makes sense for an insurer to deny everything because it is low chance that the repercussions will come back to their bottom line, some other company or Medicare will get the bill. If once signed up, your healthcare came from one company forever, the math would change. We could finally move to value based healthcare where is makes more money to prevent health problems in the first place.
- HumblyTossed 2y agoThis very much sums up the problem.
- ajmurmann 2y agoIt would also enable unhappy customers to move to a different insurance. I'm currently taking a prolonged time off and there was so much more flexibility on the market than what I've ever gotten from an employer.
- dudinax 2y agoThis gives them an incentive to make you unhappy.
- ajmurmann 2y agoAre you saying health insurances don't want customers?
- ceejayoz 2y agoThey absolutely don't want certain customers.
- Pet_Ant 2y agoI mean, I think that is the problem with "insurance" vs "coverage". "Insurance" is about pooling unlikely but costly risk, like getting hit by a meteorite. Unlikely, it happens, but there will be head trauma, CAT scans, x-rays, and hospital stays. That is what insurance is perfectly aimed at. People with known medical issues aren't really looking for insurance, they aren't pooling risk, they are sick. They need coverage. Businesses can easily handle insurance, but coverage is another matter. You are talking about people you know will cost more than they payout. That's charity, and better left to the state than the private sector.
- lotsofpulp 2y agoMedicare only comes in if the recipient is over 65 (or some edge cases of disability). Paying for health insurance premiums with pre tax dollars is tied to employers, or you can do it if you are self employed. By and large, you can purchase the same health insurance that an employer offers on healthcare.gov, that meets the minimum ACA coverage standards. However, there is no reason for employers to be able to compensate employees with pre tax dollars via subsidizing health insurance, but an individual cannot buy health insurance with pre tax dollars. That is just a handout to big businesses to give them an advantage over smaller businesses. Also, employers compensating employees only in straight pay only also makes it easier for employees to compare compensation offers.
- deleted 2y ago[deleted]