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URL:  https://boards.fool.com/until-the-system-is-fixed-so-that-everyone-can-21161907.aspx

Subject:  Re: Stimulation and The Lack Thereof Date:  8/14/2004  10:21 AM
Author:  sgtjoefriday Number:  8084 of 10592

Until the system is fixed so that everyone can afford insurance, insurance will continue to rise as those who have insurance subsidize those who don't but who of necessity use medical services anyway.

Are you proposing a state funded solution? What is your idea? National solutions may appear a panacea a paper, but 1.) there is that pesky Constitution, and 2.) Britain and Canadas experience don't really give one a great deal of optimism.

I would propose that the employer deduction for employee health plans be revoked. Employers will then be able to get out of the health insurnace game. People then can unleash a tidal wave of competition for individual policies. People could then also make some real choices on health care, such as choosing to pay low premiums for a policy that covers true emergencies, but which has them paying for maintenance (such as routine doctors visits). Portability would be a non sequitur under these circumstances. As it currently is, with the employer picking up part of the costs there is no incentive for consumers to not use health insurance inprudently (when was the last time you used your auto policy for a tune up?).

Until we have tort reform, insurance will rise as tort lawyers extract money from the medical community.

Very good point. Thank you for bringing it up.


and the elimination of the giant egos that most physicians seem to have (which is the biggest stumbling block to fixing their system), and the total elimination of the culture of "hanging together" which protects the bad doctors, insurance will continue to rise and tort reform will be impossible.

A strongly worded assertion without a fig of evidence. Insurance rates rise because of increased demand for the latest and greatest treatment (which are, hélas, expensive) by an aging population and a system in which judicious use of insurance is not necessary. Tort reform is in the hands of Congress, who as a group appear more sympathetic to the lawyers lobby than the physicians, so let's not try to lay that at the feet of the canard of "giant egos" of physicians.
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