[QUOTE=jshore]
Well, I was not saying that it would necessarily be worse if you decoupled health insurance from jobs…just that it would not necessarily be better and could be worse…at least without considerable regulation. And, I still think that. There are still lots of issues to be dealt with: (1) Not everyone is healthy when they are young. I told the story of being denied coverage in my mid-20s (and I still consider myself to be generally healthy), which isn’t so far off the time period when people could be switching from their parents’ policy to one of their own. (2) There would still need to be regulations to control the insurance companies from effectively dropping coverage to people as they got older (and certain ones in particular got less healthy) by driving up their rates to unaffordable levels.
I’m not saying it can’t be done but there simply has to be a lot of regulation if one is committed to the idea that everyone is entitled to at least a basic reasonable level of health care because there are people out there that the insurance companies can predict with high probability they are going to lose money on (unless they charge those people rates that the people can’t afford to pay) and a company trying to maximize its profits won’t want to insure these people.
[/QUOTE]
OK. The devil is in the details, of course, and we have to define what a “reasonable level” is. But that’s an entirely different debate than the one revolving around the original dichotomy you offered: universal healthcare or health insurance tied to your job. That’s really the only point I’m trying to make. You don’t need the former to undo the problems we face today with the latter. There are still millions of people without health insurance now, and I don’t see any reason to think that the current system (which fosters the tying of health insurance to your job) is a particularly good “free market” alternative.