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The idea of everyone choosing their individual plan works well on paper. In the real world, the insurance companies will compete for the least expensive demographic, while individuals who either have health issues or are simply advancing in age will not be able to get coverage at all. The reason that employers can cover their employees is that it is group insurance. The insurer has the option of bidding to cover everyone, or no one. What has to be done is divorcing medical insurance from employment, and creating groups in other ways. Of course, medical care is more expensive than it was in the days of leeches and laudanum. It is also more expensive in the US than in any other nation in the world. Why do you think that is?
The idea of everyone choosing their individual plan works well on paper. In the real world, the insurance companies will compete for the least expensive demographic, while individuals who either have health issues or are simply advancing in age will not be able to get coverage at all. The reason that employers can cover their employees is that it is group insurance. The insurer has the option of bidding to cover everyone, or no one.
What has to be done is divorcing medical insurance from employment, and creating groups in other ways.
Of course, medical care is more expensive than it was in the days of leeches and laudanum. It is also more expensive in the US than in any other nation in the world. Why do you think that is?
