Comments on: Insulation vs. Insurance

By: Cui Bono Blog » Blog Archive » Alternatiivne nägemus sotsialiseeritud tervishoiusüsteemile

Mon, 19 Oct 2009 17:02:29 +0000

[...] siis on võimalik enda tagasihoidliku tasu eest kindlustada n.n. katastroofiliste juhtumite eest (Arnold Kling on taolise kindlustuse otstarbekusest kirjutanud pikemalt), mis vajavad näiteks kas kallist protseduuri või pikaaegset taastusravi. Krooniliste haigustega [...]

By: The Five Big Questions about Health Care « The Daily Fridge

The Five Big Questions about Health Care « The Daily Fridge — Wed, 05 Aug 2009 20:59:36 +0000

[...] of providing for the health care needs of the very sick. However, as I pointed out in the column on insulation vs. insurance, this approach is likely to exacerbate the second problem, of subsidizing over-use of health care [...]

By: Health care's simple economics

Health care's simple economics — Sat, 02 May 2009 01:02:22 +0000

[...] Z, If adverse selection were such an issue, then there wouldn’t be an insurance market. Adverse selection is overcome by the fact that insurance providers can screen applicants: blood pressure, blood testing, lifestyle questionnaires, etc., which allow the insurance providers to determine how much people are going to cost them over the course of a policy so that they can price the policy. For more, you can look here: Marginal Revolution: Adverse selection is NOT the problem In terms of saving, the average person will pay $100K in medical expenses later in life. Why can’t people save that much over the course of a lifetime? For anything beyond that, then you can get insurance to prevent catastrophic financial losses. For more, you can look here: Cato Unbound Blog Archive Insulation vs. Insurance [...]

By: RMN: Liberty is best prescription for health care | Independence Institute: Patient Power

Sat, 27 Dec 2008 07:17:45 +0000

[...] has been disastrous. The tax exemption for employer-provided insurance has turned insurance into prepaid health care, so people consume medical care like business travelers on the company expense [...]