Post-claims underwriting no justification for government health plan

Friday, October 16th, 2009

If you internet service provider violated the contract you made with them by canceled your policy (say you're hogging bandwidth) is that a reason for government to create a tax-funded "public internet service provider"?  Of course not.  The ISP in this case has violated its contractual agreement to a customer, ...

How health-status insurance addresses pre-existing conditions problem

Monday, February 23rd, 2009

I cannot remember wanting to cheer and applaud after reading a policy analysis.  But this is how pleased I was with a new Cato Institute Policy Analysis by University of Chicago finance professor John H. Cochrane: Health-Status Insurance: How Markets Can Provide Health Security. In short, health-status insurance addresses what worries people ...

Guaranteed renewable insurance

Thursday, December 11th, 2008

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 policies when they are young and healthy.  Such policies are ...