At present, health insurance companies compete with each other largely on the basis of their ability to avoid paying for health care — denying claims, refusing coverage to sick people, collecting as many premiums as possible from healthy people who are unlikely to need care, increasing premiums to the extent the 47 million Americans are unable to buy into the system, and generally behaving in an immoral and socially destructive way.
If we mandate guaranteed issue with community rating, they would be forced to compete on the basis of efficiency and quality of service, instead of pool selection. And it’s hard to see how universal health care will work without those things.
Tuesday, May 15, 2007
The Best Two-Paragraph Argument for Universal Health Care I've Ever Read
From Ben Brothers: