Daily News Updates - Health Insurance News

American Health insurance System 201, Pt.5 – What do we need to make it work?

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So the good news is, a comprehensive health insurance/care system to cover all citizens will alleviate this ‘free-rider’ problem. That way, not only will our medical care system escape this blight on our ‘loss leader’ emergency provisions, but those patients who once had no health insurance will also receive better health care than the socialized medicine systems, including preventive care, which greatly reduces the high expense of ‘late diagnoses’ and also improves the comprehensive health for a large percentage of our population. This subject was the initial target of Mitt Romney’s Massachusetts health insurance/care model. Once they had accomplished this goal, the success and rewards were substantial. For more on this, please refer to the article series entitled “Mass. Health, A Creator Explains”.

As far as affecting any of these good things on the national level, herein, lies our current stall: Rhetoric vs. results. It’s easy for our politicians to promote a ‘fix-for-all’ when the tough questions aren’t covered. ‘Lets cover everyone!” Well, that would certainly fix it. The tough question is “How?” With the ‘rose-colored glasses’ plan:

• The government sets up large high-risk pools: So far, so good.
• Pressure the health insurance industry to provide health insurance premium rates that are ‘affordable’ to all, including high risks and pre-existing conditions: Getting hairy.
• Government subsidize those who can’t pay to make sure everyone is covered (using our tax money): Good idea also, but does spawn some questions.

Is everybody happy now? Perhaps with some ‘conditions. Here’s where the tough questions come in. The two essential questions are: “Is the health insurance industry happy?” and “Are the taxpayers happy?”

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