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Tag Archives: health-status insurance
The Road to Socialized Medicine Is Paved With Preexisting Conditions
Imagine that you live in a world with no medical insurance, you take the risk to start the first insurance company, and competition springs up. Then a customer walks in to your office and wants you to sell him insurance. He has pre-existing conditions, but expects that you sell him a policy at the same price as more healthy people. Yaron Brook and Dan Watkins explain the absurd implications of this at Forbes.com: The Road to Socialized Medicine Is Paved With Preexisting Conditions. Continue reading
How to Insure Americans who have Pre-Existing Conditions
People with pre-existing conditions deserve better than ObamaCare’s price controls. Free market reforms can provide it. Like a hammer that sees every problem as a nail, many politicians think the solution to every problem is legislation that erodes our liberties. Continue reading
How many are uninsurable because of pre-existing conditions?
An HHS study says 1% of Americans have been denied coverage because of a pre-existing conditions. Economists conclude that less than 1% of the population is uninsurable. The individual market pools risks well, and that allowing insurers to risk-rate premiums would encourage innovative products like health status insurance. Continue reading
ObamaCare’s high-risk pools may deny coverage
This week the Denver Business Journal and the Denver Post reported on Colorado’s new federally subsidizes high-risk pools (“GettingUSCovered”). But there’s a good reason to be concerned about quality and access. The Hill reports: The Obama administration has not ruled … Continue reading
Free-market insurance and pre-existing conditions
Paul Hsieh, MD has written a review of how a free market in medical insurance would address customer concerns about how changes in health status can effect premiums and insurability. He of course mentions health status insurance as an example. … Continue reading
Posted in insurance, tax code, HSAs, PPC
Tagged health-status insurance, pre-existing conditions
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Real health insurance, questionable claims
In response to Bill Scanlon’s article in the new InDenverTimes: I agree that no one in the U.S. really has health insurance. Thanks to a tax code that discounts employer-sponsored insurance, It’s tied to your job (for most people), so … Continue reading
Posted in Colorado health care, PPC
Tagged Colorado health care, health-status insurance, uninsured
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Health-status insurance and becoming uninsurable – a review
As I noted recently, health-status insurance could be a free-market solution to making sure you’ll have medical insurance when you need it, even if you get sick. Ronald Bailey provides a good review of John Cochrane’s policy analysis here at … Continue reading
How health-status insurance addresses pre-existing conditions problem
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 … Continue reading