Tag Archives: unintended consequences

Mandated medical loss ratios promote bad customer service

Arnold Kling points out how mandating a minimum medical loss ratio promotes poor customer service. Quoting Uwe Reinhart: The recently passed Affordable Care Act requires heath insurance issuers to use at least some minimum fraction of revenue from the premiums … Continue reading

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EMTALA’s perverse incentives

“911Doc” at DocsOntheWeb describes the harms of EMTALA: If you are unfamiliar with EMTALA or our take on it you can read about it here, but to be brief, EMTALA is an unfunded federal mandate passed in 1986, which, de … Continue reading

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Large employers may drop coverage, pay penalty

Will the health control legislation (HR 3590) encourage large firms to stop offering medical insurance?  From CNNMoney.com (Fortune): Internal documents recently reviewed by Fortune, originally requested by Congress, show what the bill’s critics predicted, and what its champions dreaded: many … Continue reading

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ObamaCare: buy insurance only when you have medical expenses

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 … Continue reading

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How Many Employers Will Stop Providing Health Insurance?

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 … Continue reading

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Get ready for health insurance slumlords

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 … Continue reading

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The conceit of Obama’s insurance price controls

President Obama has wants empower the federal government to forbid insurers from increasing their premiums more than the authorities allow.  Two reactions to this part of the president’s health care proposal: Don Boudreaux, Cafe Hayek on price controls: What cool … Continue reading

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Liberty vs. Newt’s “Top 10 GOP” health care ideas

Last week the Wall Street Journal published an op-ed by Newt Gingrich and John Goodman titled “Ten GOP Health Ideas for Obama.”  John Goodman is a great resource on health care policy, and I read his blog regularly. But this … Continue reading

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Insurance price controls hurt the sick

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 … Continue reading

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Health reform bill and preexisting conditions

Section 211-213 of HR 3962 basically says that insurance companies must offer coverage (guaranteed issue) and charge the same premium (community rating) to everyone regardless of their medical history.  The November 8  Daily Camera (Boulder, CO) printed my brief opposition … Continue reading

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