Someone finally said something to make me consider universal healthcare and it was Jordan Peterson. (The guy that the left hates because he’s a racist conservative.) He pointed out that it’s easier to start a small business in Canada because they don’t have to worry about providing health insurance to employees. That’s a great point. Tying health insurance to employment is a disaster. You are absolutely right if it weren’t for your job you wouldn’t have coverage. When my husband lost his job and his coverage the COBRA payments were unaffordable. Fortunately I have coverage through my retirement and so he got on mine.
How health insurance got tied to employment was government meddling in salaries and tax codes. So the right solution is to untangle that. But I don’t know if this country could do that - it seems no one even knows how it got this way much less cares to reverse it. To most people the only way out is a government takeover. I am far from believing that would be anything but another disaster but I agree the way things are is not sustainable. The population as a whole is getting older and sicker, with fewer young healthy people to fork over premiums.
Rush, aren’t those really two separate and distinct things? I totally agree tying insurance to employment is a ridiculous.
But why can’t insurance companies still do what they do - sell health insurance?
Today I can get life insurance from:
-AICPA (American Institute if Certified Public Accountants)
-AOPA
-NRA
-EAA
-AAA
-My Credit Union
-Any life insurance company.
All of those alphabet groups puts me into a group whereby risk is diversified, and insurance can be had affordably.
Why can’t the same thing happen with health insurance?
That literally could happen with insurance companies if the government would get the fuck out of the way.
I remember on POA or here (not sure) where I got a lecture from Steingar about how the ACA insurance mandate was necessary to bring young healthy people into the pools so insurance companies could diversify their risk.
SHAZAAM! The insurance companies has NO IDEA how to do diversify risk before Obama came along and taught them how to do insurance.
The only guarantee in life is that the government will be inefficient, expensive, and painfully bureaucratic when they try to do something that’s always been done by the private sector. Look at the FedGov takeover of student loans.