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<blockquote data-quote="TJV" data-source="post: 358011" data-attributes="member: 4300"><p><span style="font-family: 'Verdana'"><span style="font-family: 'Verdana'">Tort reform is a significant cost, no question about it. Another way to lower health insurance premiums IMO is to allow people to purchase health insurance over state lines. I can purchase my auto and homeowners insurance from nearly any insurer in the country, why not health insurance? The creation of large pools of potential insureds also lowers costs: The essence of insurance is shared risk and the larger the group, the better able insurance companies are to spread that risk. IMO another key to lowering the cost of health insurance is to allow the vast majority of people insured to have “skin in the game”. If the cost of health care doesn’t matter to most people receiving it we should not be surprised to see costs spiral out of control. If most people would be able to benefit by shopping for the most reasonably priced MRI, blood test, exam, surgery, etc., and have access to information about the comparative success rate of the medical professionals providing those services, I think that would put downward pressure on premiums. This is where health savings accounts come into play. BTW, HSAs are the only “cost” to taxpayers (in terms of reduced tax revenue because they are tax-advantaged) contained in any of these ideas. If those fortunate enough to experience good health and/or savvy enough to shop wisely for the health care they receive can benefit directly from those savings (by directing savings to future premiums, retirement accounts or even to pay the income taxes due and spend the savings), that too would put downward pressure on costs and premiums. </span></span></p><p> <span style="font-family: 'Verdana'"></span></p><p><span style="font-family: 'Verdana'"><span style="font-family: 'Verdana'">But controlling health care costs and premiums is a difficult issue. For example, we spend a huge amount on end of life care but the moral and ethical issues in controlling those costs are significant. <span style="font-family: 'Verdana'">And every new costly medical advance posses the same issue of who should be its beneficiary. </span></span></span></p><p><span style="font-family: 'Verdana'"><span style="font-family: 'Verdana'"></span></span></p></blockquote><p></p>
[QUOTE="TJV, post: 358011, member: 4300"] [FONT=Verdana][FONT=Verdana]Tort reform is a significant cost, no question about it. Another way to lower health insurance premiums IMO is to allow people to purchase health insurance over state lines. I can purchase my auto and homeowners insurance from nearly any insurer in the country, why not health insurance? The creation of large pools of potential insureds also lowers costs: The essence of insurance is shared risk and the larger the group, the better able insurance companies are to spread that risk. IMO another key to lowering the cost of health insurance is to allow the vast majority of people insured to have “skin in the game”. If the cost of health care doesn’t matter to most people receiving it we should not be surprised to see costs spiral out of control. If most people would be able to benefit by shopping for the most reasonably priced MRI, blood test, exam, surgery, etc., and have access to information about the comparative success rate of the medical professionals providing those services, I think that would put downward pressure on premiums. This is where health savings accounts come into play. BTW, HSAs are the only “cost” to taxpayers (in terms of reduced tax revenue because they are tax-advantaged) contained in any of these ideas. If those fortunate enough to experience good health and/or savvy enough to shop wisely for the health care they receive can benefit directly from those savings (by directing savings to future premiums, retirement accounts or even to pay the income taxes due and spend the savings), that too would put downward pressure on costs and premiums. [/FONT] [FONT=Verdana]But controlling health care costs and premiums is a difficult issue. For example, we spend a huge amount on end of life care but the moral and ethical issues in controlling those costs are significant. [FONT=Verdana]And every new costly medical advance posses the same issue of who should be its beneficiary. [/FONT] [/FONT][/FONT] [/QUOTE]
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