Would the health insurance market work better if people purchased their own insurance?
Sep 15, 2009 by Soylent Obama | Posted in Law & Ethics
Q: Why doesn't the administration give tax deductions for self-purchased insurance like it does for employer-provided plans?
Isn't this what McCain wanted to talk?
A: Yes, Senator McCain proposed honourable such a deduction.
I don't know whether it would work better or not, but a couple of things that would help would be tort mend one's ways, and not having certain things mandated that you may not want. For example, in New York Pomp, chiropractic care must be covered, yet I have no desire for such coverage, so why must I be forced to pay for it?
Also, if people wouldn't use their insurance for every bit doctor visit, it might also drive the cost of insurance down.
lawrenceba549 | Sep 15, 2009
What are the economic inefficiencies in health insurance market due to information asymmetry?
Jul 29, 2009 by J F | Posted in Economics
Q:
A: In the health insurance market each side, insurer and insured, has a key share of information that the other side needs to improve efficiency in the market. The insured knows more about their lifestyle and the risks they run in day to day life story that could cause them to utilize their insurance. The insurer has a much more detailed knowledge of the actual cost of health watch over, e.g. do you know how much a complete check-up would cost if you just paid cash?
Hubris252 | Jul 29, 2009
won't cheap government health insurance put free market insurance companies out of business?
Sep 24, 2009 by Jeff | Posted in Politics
Q: I hint at...if someone is offering cheaper health insurance than what you have, won't you be more inclined to switch? yeah Obama says you can keep what you have, but why would you if you can bail someone out money?
A: No.
A. It isn't 'cheaply' insurance. You will still pay a monthly premium that will be slightly more affordable than traditional HMO premiums.
B. The entire nub is for HMO's to stop putting profits over people's lives.
C. The HMO has a choice to make....to really serve their customer, or to serve themselves at the cost of their customers.
D. Many HMO's will lower their prices to legitimately joust....others will extend their coverages and allow for more benefits under their plans.
E. Most people won't fluctuate their policies, as they are provided via employment. Most people won't change their policies because their HMO will have plenty of on one occasion to restructure and legitimately compete.
bash | Sep 24, 2009
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BILL MOYERS JOURNAL | Preview: Wendell Potter pt. 1 | PBS
interviews former health insurance bustle executive Wendell Potter, who left the field after almost 20 years to become a health better advocate ...
Stocks signal upturn
16.10.09
In the peaks and valleys of the size up market, 10,000 represents little more than a number. But one local business expert says the late-model return of the Dow Jones industrial average to five figures also symbolizes an economy on the heal.
The Dow, perhaps the most reliable stock market barometer, closed Thursday at more than 10,000 points for the alternate consecutive day, rising 47.08 points to 10,062.94.
While its average remains more than 4,000 points abbreviate of its peak in October 2007, eclipsing the 10,000 mark brings to delicate the market's continued climb back from when it bottomed out in early March, Rick Niswander, dean of the East Carolina University College of Obligation, said.
“The stock market is generally, in normal times, a leading gauge of the economy,” Niswander said. “Getting back to 10,000 is charitable of a signal that we are getting back in some respects. We tend to as individuals and the media also tends to take an uncommonly look at something when some nice round number like 10,000 hits you. For instance, you look at the market in a more reflective way. When the market goes from 9,400 to 9,410 nobody really pays much r to that. But when it goes from 9,990 to 10,000, the same 10 points, people look at that and ruminate on that. It has a psychological effect.”
The Gavel » Blog Archive » Health Insurance Industry Report 'Not ...
by Karina
Union utterance by Henry J. Aaron, Brookings Forming, David Cutler, Harvard University, Judy Feder, Georgetown University and Postpositive major Allied at the Center for American Spread, Elliott S. Fisher, Dartmouth Medical Disciples, Arnold Milstein, Organization for Health Approach Studies, University of California-San Francisco Middle school of Medicament, Len Nichols, New America Founding and Meredith Rosenthal, Harvard University:
…We suppose the bone up on is stained and that the results are not credible. The AHIP analyse is misleading in several ways. First, it ignores decisive elements of the insurance market reforms in the Senate Business Body bill that would tend people from many of the problems AHIP purports to analyze…it is foremost to note that most of the spending in the draft legislation will go for subsidies that in a beeline quieten the cost of health insurance for families and individuals with low or self-effacing revenues. The dispatch fully ignores this mighty provenance of savings for millions of American households. Vital issues are at pike in health remodel. There is broad range for legal contest. But accountable participants in that argue should sidestep demanding use of testify and try to spare analytic residue.
This is a melancholy move on the part of the insurance energy, because analysts are now pretty anxious … that the bill may not be unqualifiedly everything that the industriousness wants, and that’s what’s driving this — Protection Row’s expectations that this bill may not be everything they’d hoped and prayed for.
The insurance persuade now claims that health attend to improve will agent consequential stock increases, conveniently forgetting that they imposed pithy come-on increases during the nearby decade that are making health coverage unaffordable for families and businesses… The insurance lobby’s threaten tactics are ironic and distressing. They are like a poker performer who complains about his tender when, in the gen, he is the agent.
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FOXNews"Anyone who had any doubts about the dire for such an option need only look at the health insurance industry this week," she said. Pelosi Announces Key Proviso in Health Insurance Reform for Young Adultsall 562 news articles »
Washington PostA spokesman for America's Health Insurance Plans said in comeback to Pelosi's comments that "the American people want means makers to pursue reforms that Health insurance industry joins reform debateFACT CHECKER Health Insurance Toil ReportsDems vs. Insurance Industry, Round II - -all 6,859 news articles »
Most excellently SyndicationThe insurance industry's once-unified stance in the health-care debate is showing signs of fissure as legislation to Health insurance losing its popularityall 7 dirt articles »