Unfortunately, an assigned risk plan would be unsustainable if the insured doesn’t bare any risk. It’s like me buying insurance after my house burns down and everyone else having to pay for it.
WellPoint said it lost millions last year on individual insurance in California. The insurer said a tough economy is forcing more healthy people to drop their individual insurance…
50% of my close friends in the business are now laid off. All of us are over 50; a couple of us are in our sixties. A couple of us are eligible for Cobra, thankfully. They are also the least healthy of our group.
How does a person with a pre-exisiting condition or two afford individual medical insurance at $700 a month or more while searching for gainful re-employment?
As a long-time member of the property-casualty community I’m used to having our rates regulated by state DOI’s — even when they use negative profit loadings when deciding what is fair for us. With something as important as health insurance someone ought to be watching out for those of us who are consumers since the health ins companies historically spend like drunken sailors, treat themselves to huge bonuses, and still generate tons of profit for themselves.
I’ve saved for years and want to retire, but I’m at their mercy because I need health insurance and I have no idea how much they’ll be charging for it month by month.
The least they should do is create something like an “assigned risk” plan, for people who want to be responsible for themselves and buy health insurance.
When they were on Capital Hill they stated that their first and foremost obligation WAS profit – their loyalty had to be with their stockholders. (Not to mention their own salaries.) That non-renewal and rate hikes were perfectly legal under the terms of the policy language and they had to keep their profit margin.
So now that it seems some kind of reform IS going to happen it’s NOT about profit?
That’s right. Keep swinging both ways until the swing breaks, lying idiots.
More regulation in the health insurance industry would do the exact opposite of what the reform movement is promising. More regulation would only drive costs higher, and it would reduce access.
The overall profit for health insurance companies is 3.4%; maybe Obama should go after all the companies making a profit. There are companies out there making whopping profits (Pepsi,etc)
A company is entitled to make a profit and
unfortunately insurance companies need reserves/assets to make sure they can pay the claims.
Where do the costs come from?
Drug companies, hospitals,lawyers,etc – where is it in HIS “plan” to make sure everyone is cutting costs?
I wish I could find it again but I’ve seen and heard video tape of Obama flat out saying he was in favor of a single payer system. And further he said he knew it would take 10-15 years for the private companies to go out of business. THAT IS THEIR PLAN!! They want to drive private insurers out of business to attain their ultimate goal of a single payer government system!! BEWARE – IT’S COMING!!
Fedup… you are spot on! Health care costs are driving up the cost of health insurance. That is the real problem.
Why is it that no liberals are considering this? Kick out illegals, cap lawsuit payouts, provide more tax incentives to the American people who work and to those who pay insurance premiums, allow preventative medicine to be covered, do something! Once the costs of health care do down, we can do more to cover those who truly can’t get coverage.
ITA with kick out illegals, ITA with tax incentives. But I want to see where Tort does anything for any premium except Medical Professional Liability. Check the states that have it. Plus, if a doctor decides to go bare, you can’t get an attorney to go after them. And the savings are NOT passed on to the patients or health ins companies.
One more 22% increase and I will be one of the uninsured. I’ve never gone without insurance, but the cost is getting beyond prohibitive. More then my mortgage, car payment, and insurance on both put together. And yes, I live in a state with a $250K cap.
So the frivolous lawsuits are eliminated, but so are the ones where a doctor really does screw up and the patients end up with their insurance cancelled and non-insurable and no recourse.
You may have a cap, but the majority of states do not; if they allow sales across state lines, then this will need to be
done in all states. You can’t tell me a cap doesn’t save in some way. Let’s see,
$25 million award versus $250k? Hmmmmm…..
I’m sorry by I somewhat disagree. If a doctor screws up (or let’s say they don’t screw up) and it will cost $250k to fix the patient, why do they get $25 million?
Why am I working, why don’t I just go get hurt then sue the doctor? You shouldn’t be able to retire simply because a doctor screwed up or because you are lazy. I understand pain and suffering, but there needs to be some limits here people. It’s flat out common sense… lawyers run the country however, so we will see how that goes.
Cap on pain and suffering lowered the cost of medical professional liability. My last employer did 99.9% Med Mal. But by then most of the high risk- OB, Surgery, etc had already gone bare.
A bare doctor is much like a driver with no insurance. No lawyer in the state will actually file a suit. And if you get one to actually get a judgement, bankruptcy is an option for the doctor.
You can disagree all you want. I live here and med mal was my main LOB. Those rates went down. Yet my health insurance premium has still gone up over 100% in the years since the cap was signed into law.
And the law also states that there has to be permanent damage. Take off the wrong leg type permanent.
So the number of lawsuits goes down- laywers won’t take a case that will involved more then what they will make if they win. They won’t take a case against a bare doctor. Med Mal premiums go down. But rates for treatment still continue to go up.
I don’t think you are getting the big picture… lawsuits drive up the professional insurance premiums… in order to reduce lawsuits the doctors then do more to make sure there won’t be a lawsuit (a.k.a. cover their ars)… like order unneeded tests that cost thousands… ah ha! here it is! More tests = higher health care costs = higher insurance premiums. Ureka!
I do get the big picture. Tort does not do as much as the GOP wants people to think it does.
Our justice system is about as messed up as they come. There are always going to be lawsuits with no merit. Unfortunately, the few that do have merit get shoved under the carpet most of the time. Doctors that have had mistake after mistake often get their license revoked from one state and simply start up in another with no repurcussions. THAT is what needs to be addressed IMHO. And we need to address the fact that personal responsibility plays NO role in the courts anymore. A crack addict suing and winning $3M because their baby has neurological issues is just as ridiculous as a burglar suing and winning $300K because he broke his leg running from the homeowner. Yet it happens. THAT is what would do more good in our society as a whole IMHO.
But I fail to see how Tort reform and caps on awards have helped anyone in the few states that have it as far as health insurance goes. Like I said – we have it.
There’s a fundamental uniqueness about healthcare insurance that makes the standard P&C model inappropriate. If your comprehensive insurance won’t pay for a new paint job for your car, no one dies…
So some problems of the current system is insurance premiums for the public, mal-practice premiums for doctors and a slew of other items that drive costs.
These are results of the root cause. We should resolve the issues by finding and fixing the root cause. It is liberal judges that allow ridiculous cases. These judges were plucked from the cesspool of liberal attorneys, that comprise our congressmen. Seems that’s where reform needs to start.
The cost of health care does not lie with the insurance companies. I believe they should be reeled in a bit so that they are not allowed to make abusive profits. Health care companies simply take pure cost and add a handling fee or admin cost and then a profit percentage. The Congress has successfully led the public to believe The big bbad insurance companies are to blame. Not so. Follow te money trail. Doctors, lawyers, hospitals, Federal government, all of us. We are all responsible. We as americans demand the finest health care . We allow lawmakers to pass laws that protect themselves, special interest groups, hospitals, doctors ect. If the President wants to pass meanigful legislation, let him and the congree pass ;llegislation thta controls the very people getting rich at the bottom. Know why he wont do that? Cause these groups pay off your congress men and women in legal ways so they can charge what they want. Why do you think the drug makers offerred so many billions of dollars to elp offset te medical plan? Cause they have billions and charge billions in excess. It is not only the insurance companies but everyone in the equation. Hopefully the people will be heard, not allow the President to ram this failed idea through and cause him and the congress to take a global approach to controlling health cost from all segments. Ever look into how much the run of the mill doctor makes? I know they work hard and long hours, but really. Everyone is feeding off of te system/. Need to reel all parties in a bit. National healthcare controlled by the government will only mean taxes will go up when they get into trouble and they will.
I have to agree with both of you. I do not think Dawn is giving tort reform enough credit, but I don’t think that Eyes realizes that tort reform isnt the silver bullet to lowering health care costs. But yes, I do agree that health care costs are the primary reason why health insurance rates are as high as they are. Now, I don’t beleive there should be a cap on lawsuits. Can you really put a price on a life? How do you know that because someone couldn’t have recieved a job that ended up paying 1mil a year, but can’t get it now because there a doctor was negligent. Now, before you call me a bleeding heart, I beleive that tort reform will help in a big way. Make it so that the ONLY way you can sue the doctor is if the doctor was completely negligent, make it so you can’t sue the doctor just because a procedure didn’t turn out 100% the way you wanted it. Defensive medicine is a rediculous waste of time, ask a doctor that has been in business for several years.
“In the same boat”, obviously you are a lazy man (probably a liberal, too). If you had only equipped yourself with a proper skill set and worked hard enough to avoid getting laid off, then you’d still have coverage! Do you expect the rest of us to pay for your free ride?
…hopefully you get that this is supposed to be really sarcastic. Age discrimination + deep recession = big number of educated, formerly insured, formerly employed, generally productive members of society who now have no job, thus no coverage, but are years away from Medicare.
It’s a huge problem.
We need Single Payer, and we need it now. We outspend the rest of the world militarily. Our 2010 defense and intelligence budget is over $800 billion dollars.
If we would spend more on helping our own citizens instead of on war, we could still outspend the rest of the world militarily and pay for universal health care at the same time.
Do this — throw your “liberal VS conservative” agenda out the window for a minute. Answer this question honestly– would you rather have paid for the wars in Iraq & Afghanistan or have paid for single payer health care for all U.S. citizens? Dollar for dollar that’s not an unfair comparison.
We could have paid for health care for everyone, and instead we waged a nearly decade-long military offensive in a barren desert across the world against backwards populations.
Are we insane? Seriously, who would pick the wars in Iraq & Afghanistan over Medicare for all?
Folks, we seem to drift in this discussion regarding healthcare reform. We’re approaching the topic like the three blind men describing an elephant. Yes there are inefficiencies and inequities in the system and these do need to be addressed. But the real dilemma in this national debate is the scarcity or rationing of resources. As a society, we have an aging population with world class health facilities and treatments. Unfortuately, we (society) are having a difficult time paying the bill. And paying the bill is not getting any easier with the amount of debit that we are incurring.
Instead of pointing a finger at the guy across the table, each segment of society that inacts with the system (doctors, lawyers, CEO’s, consumers,government, etc.) needs to ask what can be done to reduce cost associated with healthcare. What are the efficiencies and yes sacrificies that can be made to create a sustainable healthcare system. If we do nothing and leave these issues unaddressed, class warfare, which is often mentioned by the pundants, will get real and ugly. There will be more under-insurance, uninsured, and those who are about to lose their coverage than the fortunate that are insured.
It’s time to go to war on the healthcare system – to attack the problems and issues. And we cannot rely solely on the politians to do so. Collectively, I can think of no more unpatriotic body than Congress. It’s our society. We ignore a soon to be dysfunctional healthcare system at our own peril.
I agree and I am not saying it is the silver bullet, but rather a part we should focus on.
You can’t put a price on a life, but accidents happen. People sometimes feel they are owed something just because they got delt a bad hand. It is unfortunate, but at least they get something. In many other parts of the world, it is not that way.
The problem is that the lawsuit payouts (for the majority) are rediculously higher than they should be. Yes, some deserve millions but I just don’t see how we can justify 10’s of millions of dollars – 99% of us won’t even make a few million in our life times.
In regards to preventative medicine… maybe it’s too new for us to really make any judgement. I know that doctors hate it because they don’t get paid very much (no insurance backing).
Would you rather have terrorists running more planes into bldgs or fight them on their home turf? Do you remember an event that happened on 9/11 a few years back? Oh and the 100s of terrorists plots that were foiled because of our presence outside their door?
I am sort of with you on Iraq… definitely overkill there, but hey, we still get to drive our huge SUVs
Actuary — I hope you don’t work in P&C because your comment makes no sense. Assigned Risk is insurance, to cover accidents in the future. How is that like retroactively asking for payment on a burned house with no insurance?
I have always paid for health insurance and just want a guaranteed option that I will be able to continue doing so as an American individual after my COBRA runs out — preferably with someone looking out for all of us to not be gouged by health insurance companies since I will have no bargaining power at all.
I think we are all looking fir the same thing. Problem is Health Insurors are not the problem. They simply pass on the real cost. The Term Health Insurance is actually very misleading and incorrect. Health Insurance is not insurance at all. There are the cost(doctors, medical personle, medications, facilities, ect) that must be paid for. Those cost continue to rise each and every year. As a result Health Insurance carriers raiset he rates to cope with the increased costs. Health Ins is not like an auto liability policy where you pay 1k per yeto contribute to the new health plan? Wow! Now where did they get that money? You know they still have profit margins built in.
Health Insurance is really a cost plus type coverage
Unfortunately, an assigned risk plan would be unsustainable if the insured doesn’t bare any risk. It’s like me buying insurance after my house burns down and everyone else having to pay for it.
WellPoint said it lost millions last year on individual insurance in California. The insurer said a tough economy is forcing more healthy people to drop their individual insurance…
50% of my close friends in the business are now laid off. All of us are over 50; a couple of us are in our sixties. A couple of us are eligible for Cobra, thankfully. They are also the least healthy of our group.
How does a person with a pre-exisiting condition or two afford individual medical insurance at $700 a month or more while searching for gainful re-employment?
As a long-time member of the property-casualty community I’m used to having our rates regulated by state DOI’s — even when they use negative profit loadings when deciding what is fair for us. With something as important as health insurance someone ought to be watching out for those of us who are consumers since the health ins companies historically spend like drunken sailors, treat themselves to huge bonuses, and still generate tons of profit for themselves.
I’ve saved for years and want to retire, but I’m at their mercy because I need health insurance and I have no idea how much they’ll be charging for it month by month.
The least they should do is create something like an “assigned risk” plan, for people who want to be responsible for themselves and buy health insurance.
When they were on Capital Hill they stated that their first and foremost obligation WAS profit – their loyalty had to be with their stockholders. (Not to mention their own salaries.) That non-renewal and rate hikes were perfectly legal under the terms of the policy language and they had to keep their profit margin.
So now that it seems some kind of reform IS going to happen it’s NOT about profit?
That’s right. Keep swinging both ways until the swing breaks, lying idiots.
More regulation in the health insurance industry would do the exact opposite of what the reform movement is promising. More regulation would only drive costs higher, and it would reduce access.
INSOLVENCY IS EXACTLY WHAT OBAMA WANTS…THEN THE GOVERNMENT CAN STEP IN AND REGULATE HEALTH COMPANIES AND DICTATE OUR COVERAGE.
THIS IS JUST ANOTHER TACTIC TO GAIN MORE CONTROL OVER THE AMERICAN PEOPLE!!!!
The overall profit for health insurance companies is 3.4%; maybe Obama should go after all the companies making a profit. There are companies out there making whopping profits (Pepsi,etc)
A company is entitled to make a profit and
unfortunately insurance companies need reserves/assets to make sure they can pay the claims.
Where do the costs come from?
Drug companies, hospitals,lawyers,etc – where is it in HIS “plan” to make sure everyone is cutting costs?
How much of your pension plan or 401k values are in healthcare companies? If they don’t make a reasonable profit it hurts everyone.
I wish I could find it again but I’ve seen and heard video tape of Obama flat out saying he was in favor of a single payer system. And further he said he knew it would take 10-15 years for the private companies to go out of business. THAT IS THEIR PLAN!! They want to drive private insurers out of business to attain their ultimate goal of a single payer government system!! BEWARE – IT’S COMING!!
Fedup… you are spot on! Health care costs are driving up the cost of health insurance. That is the real problem.
Why is it that no liberals are considering this? Kick out illegals, cap lawsuit payouts, provide more tax incentives to the American people who work and to those who pay insurance premiums, allow preventative medicine to be covered, do something! Once the costs of health care do down, we can do more to cover those who truly can’t get coverage.
Dumb Washington!
ITA with kick out illegals, ITA with tax incentives. But I want to see where Tort does anything for any premium except Medical Professional Liability. Check the states that have it. Plus, if a doctor decides to go bare, you can’t get an attorney to go after them. And the savings are NOT passed on to the patients or health ins companies.
One more 22% increase and I will be one of the uninsured. I’ve never gone without insurance, but the cost is getting beyond prohibitive. More then my mortgage, car payment, and insurance on both put together. And yes, I live in a state with a $250K cap.
So the frivolous lawsuits are eliminated, but so are the ones where a doctor really does screw up and the patients end up with their insurance cancelled and non-insurable and no recourse.
You may have a cap, but the majority of states do not; if they allow sales across state lines, then this will need to be
done in all states. You can’t tell me a cap doesn’t save in some way. Let’s see,
$25 million award versus $250k? Hmmmmm…..
I’m sorry by I somewhat disagree. If a doctor screws up (or let’s say they don’t screw up) and it will cost $250k to fix the patient, why do they get $25 million?
Why am I working, why don’t I just go get hurt then sue the doctor? You shouldn’t be able to retire simply because a doctor screwed up or because you are lazy. I understand pain and suffering, but there needs to be some limits here people. It’s flat out common sense… lawyers run the country however, so we will see how that goes.
Cap on pain and suffering lowered the cost of medical professional liability. My last employer did 99.9% Med Mal. But by then most of the high risk- OB, Surgery, etc had already gone bare.
A bare doctor is much like a driver with no insurance. No lawyer in the state will actually file a suit. And if you get one to actually get a judgement, bankruptcy is an option for the doctor.
You can disagree all you want. I live here and med mal was my main LOB. Those rates went down. Yet my health insurance premium has still gone up over 100% in the years since the cap was signed into law.
And the law also states that there has to be permanent damage. Take off the wrong leg type permanent.
So the number of lawsuits goes down- laywers won’t take a case that will involved more then what they will make if they win. They won’t take a case against a bare doctor. Med Mal premiums go down. But rates for treatment still continue to go up.
I don’t think you are getting the big picture… lawsuits drive up the professional insurance premiums… in order to reduce lawsuits the doctors then do more to make sure there won’t be a lawsuit (a.k.a. cover their ars)… like order unneeded tests that cost thousands… ah ha! here it is! More tests = higher health care costs = higher insurance premiums. Ureka!
I do get the big picture. Tort does not do as much as the GOP wants people to think it does.
Our justice system is about as messed up as they come. There are always going to be lawsuits with no merit. Unfortunately, the few that do have merit get shoved under the carpet most of the time. Doctors that have had mistake after mistake often get their license revoked from one state and simply start up in another with no repurcussions. THAT is what needs to be addressed IMHO. And we need to address the fact that personal responsibility plays NO role in the courts anymore. A crack addict suing and winning $3M because their baby has neurological issues is just as ridiculous as a burglar suing and winning $300K because he broke his leg running from the homeowner. Yet it happens. THAT is what would do more good in our society as a whole IMHO.
But I fail to see how Tort reform and caps on awards have helped anyone in the few states that have it as far as health insurance goes. Like I said – we have it.
that’s what I want to know too!
There’s a fundamental uniqueness about healthcare insurance that makes the standard P&C model inappropriate. If your comprehensive insurance won’t pay for a new paint job for your car, no one dies…
So some problems of the current system is insurance premiums for the public, mal-practice premiums for doctors and a slew of other items that drive costs.
These are results of the root cause. We should resolve the issues by finding and fixing the root cause. It is liberal judges that allow ridiculous cases. These judges were plucked from the cesspool of liberal attorneys, that comprise our congressmen. Seems that’s where reform needs to start.
“Tort does not do as much as the GOP wants people to think it does.” – This statement is Hilarious.
Well something is causing doctors to run unneeded tests lol.
It’s funny, we have the best doctors in the world, but for every operation a doctor performs there are 10 lawyers waiting outside in the waiting room.
The cost of health care does not lie with the insurance companies. I believe they should be reeled in a bit so that they are not allowed to make abusive profits. Health care companies simply take pure cost and add a handling fee or admin cost and then a profit percentage. The Congress has successfully led the public to believe The big bbad insurance companies are to blame. Not so. Follow te money trail. Doctors, lawyers, hospitals, Federal government, all of us. We are all responsible. We as americans demand the finest health care . We allow lawmakers to pass laws that protect themselves, special interest groups, hospitals, doctors ect. If the President wants to pass meanigful legislation, let him and the congree pass ;llegislation thta controls the very people getting rich at the bottom. Know why he wont do that? Cause these groups pay off your congress men and women in legal ways so they can charge what they want. Why do you think the drug makers offerred so many billions of dollars to elp offset te medical plan? Cause they have billions and charge billions in excess. It is not only the insurance companies but everyone in the equation. Hopefully the people will be heard, not allow the President to ram this failed idea through and cause him and the congress to take a global approach to controlling health cost from all segments. Ever look into how much the run of the mill doctor makes? I know they work hard and long hours, but really. Everyone is feeding off of te system/. Need to reel all parties in a bit. National healthcare controlled by the government will only mean taxes will go up when they get into trouble and they will.
I have to agree with both of you. I do not think Dawn is giving tort reform enough credit, but I don’t think that Eyes realizes that tort reform isnt the silver bullet to lowering health care costs. But yes, I do agree that health care costs are the primary reason why health insurance rates are as high as they are. Now, I don’t beleive there should be a cap on lawsuits. Can you really put a price on a life? How do you know that because someone couldn’t have recieved a job that ended up paying 1mil a year, but can’t get it now because there a doctor was negligent. Now, before you call me a bleeding heart, I beleive that tort reform will help in a big way. Make it so that the ONLY way you can sue the doctor is if the doctor was completely negligent, make it so you can’t sue the doctor just because a procedure didn’t turn out 100% the way you wanted it. Defensive medicine is a rediculous waste of time, ask a doctor that has been in business for several years.
“In the same boat”, obviously you are a lazy man (probably a liberal, too). If you had only equipped yourself with a proper skill set and worked hard enough to avoid getting laid off, then you’d still have coverage! Do you expect the rest of us to pay for your free ride?
…hopefully you get that this is supposed to be really sarcastic. Age discrimination + deep recession = big number of educated, formerly insured, formerly employed, generally productive members of society who now have no job, thus no coverage, but are years away from Medicare.
It’s a huge problem.
We need Single Payer, and we need it now. We outspend the rest of the world militarily. Our 2010 defense and intelligence budget is over $800 billion dollars.
If we would spend more on helping our own citizens instead of on war, we could still outspend the rest of the world militarily and pay for universal health care at the same time.
Do this — throw your “liberal VS conservative” agenda out the window for a minute. Answer this question honestly– would you rather have paid for the wars in Iraq & Afghanistan or have paid for single payer health care for all U.S. citizens? Dollar for dollar that’s not an unfair comparison.
We could have paid for health care for everyone, and instead we waged a nearly decade-long military offensive in a barren desert across the world against backwards populations.
Are we insane? Seriously, who would pick the wars in Iraq & Afghanistan over Medicare for all?
Folks, we seem to drift in this discussion regarding healthcare reform. We’re approaching the topic like the three blind men describing an elephant. Yes there are inefficiencies and inequities in the system and these do need to be addressed. But the real dilemma in this national debate is the scarcity or rationing of resources. As a society, we have an aging population with world class health facilities and treatments. Unfortuately, we (society) are having a difficult time paying the bill. And paying the bill is not getting any easier with the amount of debit that we are incurring.
Instead of pointing a finger at the guy across the table, each segment of society that inacts with the system (doctors, lawyers, CEO’s, consumers,government, etc.) needs to ask what can be done to reduce cost associated with healthcare. What are the efficiencies and yes sacrificies that can be made to create a sustainable healthcare system. If we do nothing and leave these issues unaddressed, class warfare, which is often mentioned by the pundants, will get real and ugly. There will be more under-insurance, uninsured, and those who are about to lose their coverage than the fortunate that are insured.
It’s time to go to war on the healthcare system – to attack the problems and issues. And we cannot rely solely on the politians to do so. Collectively, I can think of no more unpatriotic body than Congress. It’s our society. We ignore a soon to be dysfunctional healthcare system at our own peril.
I agree and I am not saying it is the silver bullet, but rather a part we should focus on.
You can’t put a price on a life, but accidents happen. People sometimes feel they are owed something just because they got delt a bad hand. It is unfortunate, but at least they get something. In many other parts of the world, it is not that way.
The problem is that the lawsuit payouts (for the majority) are rediculously higher than they should be. Yes, some deserve millions but I just don’t see how we can justify 10’s of millions of dollars – 99% of us won’t even make a few million in our life times.
In regards to preventative medicine… maybe it’s too new for us to really make any judgement. I know that doctors hate it because they don’t get paid very much (no insurance backing).
Would you rather have terrorists running more planes into bldgs or fight them on their home turf? Do you remember an event that happened on 9/11 a few years back? Oh and the 100s of terrorists plots that were foiled because of our presence outside their door?
I am sort of with you on Iraq… definitely overkill there, but hey, we still get to drive our huge SUVs
Actuary — I hope you don’t work in P&C because your comment makes no sense. Assigned Risk is insurance, to cover accidents in the future. How is that like retroactively asking for payment on a burned house with no insurance?
I have always paid for health insurance and just want a guaranteed option that I will be able to continue doing so as an American individual after my COBRA runs out — preferably with someone looking out for all of us to not be gouged by health insurance companies since I will have no bargaining power at all.
I think we are all looking fir the same thing. Problem is Health Insurors are not the problem. They simply pass on the real cost. The Term Health Insurance is actually very misleading and incorrect. Health Insurance is not insurance at all. There are the cost(doctors, medical personle, medications, facilities, ect) that must be paid for. Those cost continue to rise each and every year. As a result Health Insurance carriers raiset he rates to cope with the increased costs. Health Ins is not like an auto liability policy where you pay 1k per yeto contribute to the new health plan? Wow! Now where did they get that money? You know they still have profit margins built in.
Health Insurance is really a cost plus type coverage