Quote:
Originally Posted by TheMercenary
Any model in which the insurance companies come out ahead at the expense of all other elements is not a solution. And so far I have seen nothing proposed by Congress which does not do that very thing. Every proposal on the table has elements of minor reform of the insurance process while giving them a HUGE increase in profit.
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I dont think ending exclusions on pre-existing conditions, requiring caps on total out-of-pocket expenses, eliminating cost-sharing (no co-pays or deductibles) for preventive care, mandating a required level of basic benefits are minor reforms.
Of course insurance companies will "come out ahead" if an additional 30+ million people, mostly employees in small businesses currently w/o insurance, will have access to affordable health care through new programs like the health insurance exchange. The point is to force the companies to make it more affordable through a competitive bid process and requiring insurance companies to meet specific costs and benefit provisions in order to participate in the exchange.
How else would you propose providing coverage to those millions?
Or for those 200+ million with employer-based insurance, how else do you rein in the spiraling costs and/or provide greater choice of that private provider system?
The only other solution is even greater federal regulation of the insurance industry or to do away with insurance companies completely.