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Tag Archives: direct purchase insurance
Colorado Senate Bill 11-019 lifts insurance restrictions on small employers
Colorado Senate Bill 19 would lift restrictions on small business that forbid them from using “Health Reimbursement Accounts” for buying medical insurance with pre-tax dollars. Continue reading
Insurance “exchanges”: government-run insurance w/o a “public option”
The Wall Street Journal editorial board explains how so-called insurance exchanges of the House and Senate health care bills are government-run insurance: Both bills [House and Senate] blow up the individual and small-business insurance markets, to be replaced with new … Continue reading
Health care costs and health insurance
Direct-purchase insurance is when the patient buys it directly from the insurance company, rather than through an employer. How can this help bring down the cost of medical care? Linda Gorman explains in her latest article at the Library of … Continue reading
Colorado HB 1256 would lower insurance costs
The Denver Business Journal published the following letter of mine in its March 6 edition: Colorado House Bill 1256 would bring affordable insurance to thousands of Coloradans by allowing them to buy less expensive policies available in other states (Health … Continue reading
Colorado HB 1256 and affordable medical insurance
The Denver Business Journal reports on Colorado House Bill 1256 proposed by Cindy Acree and Cory Gardner that would lower insurance premiums for thousands of Coloradans: House Bill 1256, which allows insurers to sell health insurance policies that aren’t licensed … Continue reading
Guaranteed renewable insurance
A common and legitimate concern about health insurance is not being able to buy insurance because of a preexisting condition. In this post I make the case that if government stopped subsidizing employer-sponsored insurance, more people would buy individual insurance … Continue reading
Guaranteed Future Insurability
The tax exemption for employer-provided insurance has supported our employer-based insurance market, which leaves people vulnerable to losing coverage if they lose their job. Business Wire reports on an innovative product to remedy this problem – which government has caused … Continue reading
Risk pooling in individual insurance markets
Last week National Journal blogger Marilyn Werber Serafini wrote that “there is agreement that the market for buying health insurance as an individual doesn’t work well.” Grace-Marie Turner suggests that it’s working better than some think: Before policymakers attempt to … Continue reading
Why employers won’t cut and run when individuals own health insurance
Something to think about from lawyer Peter J. Nelson: Most reforms that promote individual ownership [of health insurance] would eliminate the current tax preference for employer-paid coverage and, instead, level the field so that all Americans get the same health-care … Continue reading