Posted by noncompos on January 28, 2008 at 12:32:29 from (65.102.20.70):
In Reply to: O/T health insurance posted by strawbale on January 27, 2008 at 19:49:57:
After WWII we were the world's most successful democracy, with a dark spot: health care. All the other industrialised countries had govt run health care, paid for by taxes; we had millions who'd gone without care thru the 30's and 40's because they simply couldn't afford it, and there was a huge pent up need. Insurance Co accountants, and internal accountants, convinced the major industries that it'd be cheaper to pay for group plans than pay taxes to cover govt (socialised) care. It worked well, as long as markets were protected; plenty of money was available for good wages and group policies. With changing circumstances, including globalisation and the eroding of the social compact that executive compensation and profits should not be obscenely out of line with wages, coverage was cut and premiums raised; pre-existing conditions became a loophole. For a while it looked like industry would opt to pay taxes for Govt care; instead most well paying jobs went overseas and many companies cut coverage. With the insurance companies purely profit driven, they only want to insure healthy groups (the young, mostly), and the leftovers are left to fend for themselves, the result being less and less coverage for higher and higher costs. Many people are in the same boat as Lee, with an 11K deductible-that's catatrophic incident coverage. Lou's sounds pretty good these days (almost too good!) if it's fairly broad coverage and the company is reasonably dependable. It's no accident all the candidates have their health care plans...
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