Comments on: A Good Alternative To Mandatory Health Insurance http://www.healthinsurancecolorado.net/blog1/2010/02/02/a-good-alternative-to-mandatory-health-insurance/ Research and discussion of the Colorado health insurance industry and the healthcare crisis in America. Wed, 28 Jul 2010 16:12:46 +0000 hourly 1 http://wordpress.org/?v=abc By: Louise http://www.healthinsurancecolorado.net/blog1/2010/02/02/a-good-alternative-to-mandatory-health-insurance/comment-page-1/#comment-14265 Louise Thu, 18 Feb 2010 18:58:03 +0000 http://www.healthinsurancecolorado.net/blog1/?p=1637#comment-14265 Athena, That's a good idea too. Although I'd prefer to see it without the age 30 starting point. People in their 20s are generally the healthiest demographic, and we desperately need them to be in the health insurance pool in order to offset the cost of care for people who are older and less healthy. People in their 20s are also the most likely to go without health insurance, and an extra financial motivator to get them into the insurance system would be helpful. Athena,
That’s a good idea too. Although I’d prefer to see it without the age 30 starting point. People in their 20s are generally the healthiest demographic, and we desperately need them to be in the health insurance pool in order to offset the cost of care for people who are older and less healthy.
People in their 20s are also the most likely to go without health insurance, and an extra financial motivator to get them into the insurance system would be helpful.

]]> By: Athena http://www.healthinsurancecolorado.net/blog1/2010/02/02/a-good-alternative-to-mandatory-health-insurance/comment-page-1/#comment-14264 Athena Thu, 18 Feb 2010 17:34:22 +0000 http://www.healthinsurancecolorado.net/blog1/?p=1637#comment-14264 I don't like either option. People who have employer paid coverage are unrealistic about what it takes for those who don't to come up with the premiums. 2 months without insurance is just not very long. What I would support is something more like Australia's system: Individuals who go bare after age 30 incur a <i>lifetime</i> surcharge on any insurance premiums equal to 2% per uncovered year up to a maximum of 20%. I don’t like either option. People who have employer paid coverage are unrealistic about what it takes for those who don’t to come up with the premiums. 2 months without insurance is just not very long.

What I would support is something more like Australia’s system: Individuals who go bare after age 30 incur a lifetime surcharge on any insurance premiums equal to 2% per uncovered year up to a maximum of 20%.

]]> By: Lisa Chippendale http://www.healthinsurancecolorado.net/blog1/2010/02/02/a-good-alternative-to-mandatory-health-insurance/comment-page-1/#comment-14256 Lisa Chippendale Fri, 05 Feb 2010 17:50:14 +0000 http://www.healthinsurancecolorado.net/blog1/?p=1637#comment-14256 I would rather see a mandate that everyone buy health insurance. People will run up huge debts and possible die for lack of treatment during a 2-year waiting period to get insurance. I would rather see a mandate that everyone buy health insurance. People will run up huge debts and possible die for lack of treatment during a 2-year waiting period to get insurance.

]]> By: Tom http://www.healthinsurancecolorado.net/blog1/2010/02/02/a-good-alternative-to-mandatory-health-insurance/comment-page-1/#comment-14255 Tom Wed, 03 Feb 2010 15:52:05 +0000 http://www.healthinsurancecolorado.net/blog1/?p=1637#comment-14255 This is too important an idea to keep in Colorado. Any chance you can get it to somebody in the administration? Good job. This is too important an idea to keep in Colorado. Any chance you can get it to somebody in the administration?

Good job.

]]> By: Don Levit http://www.healthinsurancecolorado.net/blog1/2010/02/02/a-good-alternative-to-mandatory-health-insurance/comment-page-1/#comment-14254 Don Levit Wed, 03 Feb 2010 04:05:54 +0000 http://www.healthinsurancecolorado.net/blog1/?p=1637#comment-14254 Personally, I think there should be a 2-year wait on all initial guaranteed issue policies. I understand the anxiety over not having full coverage from the get-go. However, actuarially, none of us are getting healthier as we age. It makes little sense to be just as concerned about tomorrow than it is to be concerned 2 years from tomorrow. Maybe this short-term thinking is what has gotten us into this predicament. Don Levit Personally, I think there should be a 2-year wait on all initial guaranteed issue policies.
I understand the anxiety over not having full coverage from the get-go.
However, actuarially, none of us are getting healthier as we age.
It makes little sense to be just as concerned about tomorrow than it is to be concerned 2 years from tomorrow.
Maybe this short-term thinking is what has gotten us into this predicament.
Don Levit

]]> By: Jay http://www.healthinsurancecolorado.net/blog1/2010/02/02/a-good-alternative-to-mandatory-health-insurance/comment-page-1/#comment-14253 Jay Tue, 02 Feb 2010 21:58:20 +0000 http://www.healthinsurancecolorado.net/blog1/?p=1637#comment-14253 I really like Jim's plan. It sounds politically feasible too. I really like Jim’s plan. It sounds politically feasible too.

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