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1. Thomas C CEOExpressSelect Member
     (1/2/2018 7:53:05 AM)
     Message ID #295969

This message is in response to D Robb ( message id #295957 )  View All Related Messages

There is perhaps only a handful of Economists who have studied healthcare as a single issue, one is J.Gruber, MIT. He was engaged by Romney to put together Romneycare which drove the uninsured rate in MA from 13% down to 3-4%.

His recent study claims that the tax penalty effect on ACHA was nil. In other words you can force someone who doesn't need a product to buy it. Why should I buy car insurance if I don't own a car?

Gruber claims the penalty would have had to be 1:1 before adverse selection fades away. So enticing young healthy bodies into the individual markets, doesn't work.

A much better approach would be the opposite: incentivize; allow non-employer groups to form, allow insurers to cross state lines, and allow defined benefit plans.

Why shouldn't a 28 year old single male be allowed to buy a healthcare policy from AAA, underwritten by a Company in Iowa, that doesn't include maternity or mental health?

Obamacare killed all those approaches and instead used the stick, rather than a carrot.

Epic fail. The individual mandate is still intact for another 12 months, those lunk heads in DC now have 1 year to fix it.

Let's see who stands up and leads the way. My guess is they do nothing except campaign for their own jobs.
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