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Originally Posted by Baraka_Guru
That's a good point.
I was referring to the number of people who have access to or who can afford health insurance. Consider the number of companies who are opting to not have it available as one aspect.
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A couple of areas in US heath care that needs to be fixed is mandating conversion of group coverage to individual coverage when an employer cancels a group plan or when an employee looses their job under the same terms and conditions beyond what is mandated by COBRA. Another is having heath care insurance regulated on a national basis rather than by state to allow for national plans rather than state by state plans. We should not have to be subject to re-applying for individual medical coverage based on moving from one state to another. I think if a person obtains medical coverage from birth they should never have to be subject to exclusions for preexisting conditions or up-charged for being a "substandard" risk or other factors.
In auto insurance, every person is able to obtain coverage regardless of their record. Extreme substandard risks are pooled and assigned to insurance companies based on a percent of premium written or market share. People place in these pools are subjected to much higher premiums, which I do not think has to be the case with medical insurance. The point is I think we can make some changes in our existing system to get everyone covered with reasonable premiums - and there is always the possibility to subsidize those at certain low income levels. I would much rather do things like the above rather than the government for all practical purposes, take over the entire system.