(02-04-2019, 10:33 AM)wrong_box Wrote:

(02-04-2019, 07:53 AM)jj82284 Wrote: With respect, it just doesn't work that way.  If you completely eliminate underwriting then the actuarial cost of insurance skyrockets.  

Insurance should never have been tied to employment anyway.  That's a symptom of the last time govt.  Tried to institute price controls.  Most if not all group plans even b4 the aca didn't reject pre-conditions they just had a waiting period.  Why?  Insurance companies actually competed for the group business.  

We need a separate track for risk management for the chronically ill, we need to make premiums and HSA contributions tax deductible, we need to allow more permanent group and association plans.  We need to incentivise and allow cooperative & concierge practices to debundle chronic/morbid risk from primary healthcare.

Agree that health care shouldnt be tied to employer. That began as a benefit to attract workers,now it's a mandate. Also disagree with most of your last paragraph other than tax deductible. The biggest problem to make health care work in the free market but it never work the way it is. Eleventy six years ago I did a report on health care companies and found that there is five or six companies that .own the majority of health care providers with the same BOD from each of the big five or six sitting on the BOD of all of them.  So the majority stock holders of the companies owning the majority of health care companies are/we're the same people then and probably still are. The free market can't work that way