[quote]hspder wrote:
AZMojo wrote:
Is there a plan out there geared toward healthy people who don’t run to the doctor everytime they get the sniffles?
That defies the whole principle behind insurance. Insurance is about shared risk.
There are different premiums depending on your individual risk (i.e., higher premiums for people who have type II diabetes, previous heart problems, etc.), but unfortunately that does not compensate for the absurd health costs for even a regular visit to the doctor.
In fact, people that do NOT go to the doctor regularly are, statistically, in much higher risk of having an extremely expensive “health catastrophe”, so you would – again, statistically – much more of a risk to the insurance companies than a guy that goes to his PCP every 6 months for a checkup and catches any small problems at a point where treatment is cheap.
Most insurance companies actively try to prevent abuse and have campaigns for healthier living (Kaiser Permanente, an HMO, spends millions of dollars over here in CA in those campaigns), but clearly it’s not working. People are dumb, telling them how to live better won’t work.
SOMEBODY has to pay for their unhealthy choices, unless you go Headhunter’s route and just leave them to rot. However, being that the Western World’s culture is permeated by the fundamental Christian principle of helping those in need, that’s not gonna happen. We are taught since young kids that the “right thing to do” is to help those in need of help, rather than judging and telling them “it’s your fault, deal with it”.
Not that there’s anything wrong with that Christian doctrine – on the contrary, it is my firm belief that is one of the most valuable parts of Christianity, one that, in fact, has allowed the Western world to survive and even prosper rather than completely and permanently self-destruct.
Even though I am an atheist, I’ll be the first to agree that Jesus was a very wise man.
The way they have prevented this problem in Northern Europe is through severe regulation on anything that affects people’s health – like strict workplace laws (to prevent people from overworking or otherwise having unhealthy work environments), regulation on the quality of air and water, plus regulation of school and restaurant meals (e.g., in Denmark there are strict laws on how much trans fat a meal sold at a restaurant can have), etc. But you know as well as I do that’s not gonna happen here, since that’s “too Socialist”.
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I understand that insurance is about shared risk. I think carriers make up for the losses in their group plans, where people DON’T pay more for their increased risk, through the individual plans. Each plan should be self-sufficient, and not try to make up for the deficiencies of another line of business.
Maybe a government controlled health care system is the way to go. That way, while we all share the same risks, costs could be controlled and their is no incentive on the government’s part to make a profit, unlike when business is in control of things.
I think the European model looks pretty good, as do most European models.
So, I guess on this point, like most, I hold the complete opposite view of Headhunter.