Tuesday, October 13, 2009

Health Insurance Incentives

As I write this, the Senate Finance Committee is considering a health care bill that would mandate insurance companies to offer health insurance to those with pre-existing conditions. Additionally, the bill would fine/tax those without health insurance by some amount less than $1,000.

Presently I am paying in the neighborhood of $4,000 per year for a high deductible health care plan that covers my family.

If the health care bill passes, government would be creating a $3,000 incentive for me to drop my health insurance, knowing I could get insurance later if I or someone in my family were to get seriously ill.

If I like my plan I can keep it. But if I prefer to stick others with the bill for my health care, I can drop my plan.


Anonymous said...

...prefer to stick others with the bill for my health care...

How would you do this? How would this happen?

Denis Navratil said...

Presently anon, I am paying for insurance and therefore I am footing the bill, with my insurance company, for future health care expenses. If I stop paying premiums and opt to pay a small fine that is $3,000 less than my premiums, but can still get health insurance if I get sick, then it is other people who are footing the bill and paying for my health risk in the form of higher premiums. Thus, other people will be footing the bill to cover my health risks. Not fair I realize, but who ever said socialism was fair?

edwin sanchez said...

This new information was based on a study performed by Price Waterhouse, who was hired by the insurance lobbyist. This study looked at the cost, without any attention being payed to the cost savings within the bill. The overall result was so inaccurate, that the accountants who participated in the study distanced themselves, and explained just that. To look at this for what it really is, is to know that the insurance companies are basically saying, pass this bill and we raise your premiums!

Denis Navratil said...

Edwin, I am not sure what it is that you are considering new info. The mandate to cover those with pre-existing conditions and the fine for those without insurance are in the bill. The rise in premiums I think is something that can be assumed based on the incentive created for people to drop their coverage. I was not influenced by any study.

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