Monday, March 01, 2010

Real Free Market Health Insurance?

Wouldn't it be grand to be able to pick up a phone book and find as many health insurers to choose from as we can auto insurance companies? Ones that actually offer a plan to fit your needs and desires, like coverage for accupuncture and chiropractic or other alternative med? Or lower monthly cost, paying for regular GP office visits out of pocket (or billed by Dr like the old days)? Sort of a smorg of items to choose from except for major med.

For instance, you must have car insurance (laws), sure. But you have a choice of companies to pick from how do compete because you can pick and choose companies, what features you want, how much deductible etc. Truely free market health insurance would offer the same.

Most of us couldn't afford a catastrophic health event out of pocket so wanting everyone to carry some kind of major med/catastrophic illness policy would seem to be a good thing. At least it would be a good thing for the tax payer who ends up picking up the bill. But beyond that it seems to me if there weren't so many 'requireds', like one I read recently where a company of male workers were required to carry coverage for disease of the female organs,-required by law- insurance might not be so much. Of course then if the health insurance companies actually had to compete against each other for your business, across state lines even then----

Off the top of my head the only other thing I can think of that would need to be addressed is getting dropped once one has a 'pre-existing' condition. I realize that things like being able to sell across state lines and form different types of pools is partly the same as this. However, a real free market system would go beyond those two and make for some real competition.

Certainly there is some way of having a free market and still address this problem and not resorting to a compete revamping of our health care system right down to stealing our personal choice and liberty?

Viva Liberty!

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