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Originally Posted by kg_veteran
The answer is to disconnect health insurance from employment, offer a tax credit that makes it more affordable, and then let the patient purchase the coverage that they need/want.
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I suspect the effect of the tax credit would be to bid the prices up so it's not all that necessary. Other than that, I absolutely agree.
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When you pay in advance to shift risk, that's insurance. When you shift the financial burden the way it's being described by the "reformers", it's called welfare.
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Welfare!! That's the term I've been looking for to describe what people mistakenly use "insurance" these days.