Sactowndog
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- Jul 4, 2011
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- #21
Well in this case, the ulterior motive is we are unwilling to let people drop out of the market and die on the street from things that could be fixed.
Well, as I and others have pointed, it's not a choice between "letting people die in the streets" and government intervention. I don't think it's useful to frame it as a black and white choice in that regard.
So what's your solution? Mine is a single payer system for all like Ryan's Voucher system and allow health plans to be marketed nationally. The government would have a default plan for those to lazy or stupid to sign up for one on their own.
I would guess you should have some disclosure requirements and financial requirements to prevent swindlers from just taking people's money.
My preferred solution is non-governmental and free market - because I prefer freedom. If we don't have the political will to maintain that, then we should resolve to provide health care as a government service in a sane way. Something like what we've done with primary education makes the most sense to me (only the basics, localized as possible, etc ...).
What you're recommending, in my view, is exactly the muddled middle ground I was complaining about in my post. To me it's the worst of both worlds and, to keep it from becoming an utterly corrupted mess, would require far more loss of freedom than simply making health care another government service.
By definition a "market" based model means people have to opt out of the market as the price rises. If you want "market" based health care then you have to accept people will die from completely curable diseases like happens in Vet care. It is not uncommon for a Vet to hear "We can't afford that so just put the animal to sleep". It is opting out of the market that creates a demand curve and creates the incentive to bring people in the market.
Can u accept that in human care? If yes, then you can have a market model and some countries do. If no, you have to go to your school model which is basically the same solution as mine. The only difference we have is who pays. Since people travel and you can define serviceable pools of people with a larger population base I think it is more efficient nationally. That way if I want to offer a plan designed for black people under 40, I have the population base to sustain it.
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