Health insurance costs are directly related to the piles of state and federal coverage mandates.
Health Insurance costs are also directly related to the lack of competition among insurers.
Because health insurance cannot be sold across state lines, insurers are guaranteed protected markets.
While this is true, we were sold on the notion of near nothing out-of-pocket by the HMO's. Add to that a myriad of regulatons governing coverage.. and here we sit.
Public option is not the answer. A true overhaul of the regulatory web is a great start.
Correct..I missed that...
Yes, the notion that health insurance must provide "first dollar" coverage is another major contribution to expensive health insurance.
Health insurance should be made available with many different levels of deductibles all the way up to catastrophic coverage only. The higher the deductible, the lower the premium.