less insurance protection against unforeseen costs and more discounted medical care. Insurance companies would need to cover the cost of treatments for pre-existing conditions and wouldnt have years of premiums paid in by these folks to fall back on.
In other words, you cant cover everything at an affordable rate unless you cover everyone. And you won t cover everyone unless you require, by law, that everyone have insurance. (The individual mandate, as this is known, is the provision of the Affordable Care Act thats most hated by Republicans, as evidenced by the multi-state lawsuit challenging its constitutionality.) The idea is that if risk is spread around a whole car diagnostic scanner group say the population airbag reset of the United States insurers can cover pre-existing conditions at affordable rates and not go out of business. Peggy Noonan also lacked awareness of this simple truth when she wrote in January that the only reason President Obama didnt push just for coverage of pre-existing conditions is that he was greedy.
The public in 2009 would have been happy to see a simple bill that mandated insurance companies offer coverage without respect to previous medical conditions. The administration could have had thatand the victory of itlast winter.
Instead, they were greedy for glory.
Heres Paul Krugman explaining the ridiculousness of this.
While we re at it, here s another simple truth about insurance that often gets lost in the shuffle is: Good insurance costs more than bad insurance.
Part of the reason theres such wide variation in insurance premiums even among the healthy is that insurance is priced, for the most part, on what it provides. Policies with low co-pays and ample reimbursements are more expensive than plans with high deductibles and strict coverage limits. In other words, there are no good deals in the health insurance marketplace. Suspect a policy if it seems dramatically cheaper than other options chances are something is missing from the policy. See
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