It would also work if small businesses could get a group rate through NFIB or some similar organization, but part of the problem is that different states have different mandates for coverage which makes it impractical to offer a "one size fits all" national plan with high deductibles complemented by an MSA. Those mandates also drive up the cost of the insurance: you may not want to pay for mental health or substance abuse coverage, but here in MN insurers can't sell you a policy without them, and you wind up paying more than you might have otherwise.
So the bottom line is that we have a health insurance system left over from the 1940s wage & price freeze laws, complicated with dozens of state mandates. I don't see how adding more government regulations and bureaucracy is going to solve either of these problems, unless you think the Feds are going to peel back coverage to the bare essentials.
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timeasmymeasure
no subject
Date: 2005-04-16 02:49 am (UTC)So the bottom line is that we have a health insurance system left over from the 1940s wage & price freeze laws, complicated with dozens of state mandates. I don't see how adding more government regulations and bureaucracy is going to solve either of these problems, unless you think the Feds are going to peel back coverage to the bare essentials.