Risk equalisation always struck me as a very questionable policy. I guess now the free market will determine health insurance premiums.
Why though?Risk equalisation always struck me as a very questionable policy
But why would this be good?
I guess now the free market will determine health insurance premiums.
Yes, but deciding on the source and method of risk equalisation is the question.Is risk equalisation not necessary in order for there to be community rating however?
Remove risk equalisation, and how can community rating (the end point) continue to be viable?
Excellent point.Ideally, in my view, the government should stump up from general taxation since this is for the general good and pay all insurance companies an extra sum for anyone over x age (where x is the defined increase risk age).
Ah, if you want my funding idea? An x% tax on every policy taken out (even by the people who will be in receipt of the equalisation payments). So everyone pays in, then the gathered money is divvied out.Excellent point.
I'd agree, except I'd moot for the government use that money to create a effective equitable socialised/publicly financed care system with the money, rather than building up the private health care coffers.
Ah ha!Ah, if you want my funding idea? An x% tax on every policy taken out (even by the people who will be in receipt of the equalisation payments). So everyone pays in, then the gathered money is divvied out.
You want to kill health staff and then curry them?!!a)culling of staff ... curry immediate favour
Ideally, in my view, the government should stump up from general taxation since this is for the general good and pay all insurance companies an extra sum for anyone over x age (where x is the defined increase risk age).
Don't confuse community rating with risk equalisation.
Surely that would be tantamount to the government admitting that the public health service is a failure - political suicide?
Surely that would be tantamount to the government admitting that the public health service is a failure - political suicide?
Because health is different.In that case why not have the same car / house / holiday insurance for everyone. No other area of insurance works like that why should health be different?
It seems to me the government is trying to shoehorn silly solutions to an already broken system instead of just fixing it. Private health insurance is not the answer; it should only be an addition to a high standard of public cover which everyone should be entitled to.
But it is a failure.Surely that would be tantamount to the government admitting that the public health service is a failure - political suicide?
On the contrary, I think if Brian Cowen admitted this, and set out coherent plans for health service reform, he would get massive support from the public.
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