Instead of more political meddling in insurance markets like guaranteed issue and community rating, the following free-market-oriented reforms would help alleviate the problems with pre-existing conditions. From John Goodman at the Health Affairs Blog:
Encourage Portable Insurance.
Allow Special Health Savings Accounts for the Chronically Ill.
Allow Special Needs Health Insurance.
Allow Health ...
Submitted to the Denver Business Journal last week in response to Governor Bill Ritter's signing HB 1008 into law:
House Bill 1008 poses great threats: hurting women, boosting insurer's profits, or leaving men uninsured. Now law, the Bill requires health insurers to charge men and women the same premiums ...
The Boston Globe reports:
Thousands of consumers are gaming Massachusetts’ 2006 health insurance law by buying insurance when they need to cover pricey medical care, such as fertility treatments and knee surgery, and then swiftly dropping coverage, a practice that insurance executives say is driving up costs ...
From the Associated Press:
People younger than 35 who are buying their own insurance on the individual market would pay $42 a month more, according to an analysis by Rand Health, a research division of the nonpartisan Rand Corp.
The analysis, conducted for The Associated Press, examined the effect ...
Economist Bryan Caplan asks: How Many Employers Will Stop Providing Health Insurance?
If preliminary summaries of Obamacare are true, it looks like individual health insurance will soon be a better deal than employer-provided health insurance. In the individual market, you can now wait until you're really sick to ...
My latest article at Pajamas Media begins:
If you dislike your health insurer now, just wait until politicians impose price controls that make your insurer act like a slumlord. Expect worse customer service, skimpier plans, and more claim denials.
Price controls on rental properties encourage ...
he Wall Street Journal reminds us:
Natural experiments are rare in politics, but few are as instructive as the prototype for ObamaCare that Massachusetts set in motion in 2006. The bills for "universal coverage" are now coming due, and it appears the state political class is prepared to ...
Sheldon Richman makes the case in The Freeman:
Opponents of (more) government control of health care and health insurance are breathing a sigh of relief after Tuesday’s upset senatorial election in Massachusetts. But now that the celebrations are subsiding, I feel compelled to warn that the most perilous days may lie ...
A Cato podcast on the insurance company price controls in the House and Senate health care bills:
As I summarized in a previous article, when government forces insurers to issue policies to high-risk customers (guaranteed issue), but to also charge the same premiums as they to lower-risk customers, bad things happen:
Insurers ...
The CBO predicts higher insurance premiums, but what do supporters say? From the Wall Street Journal:
"No Big Cost Rise in U.S. Premiums Is Seen in Study," said the New York Times, while the Washington Post declared, "Senate Health Bill Gets a Boost." The White House crowed that the CBO report ...
