[JimPrevor]

Thanks for the note. Although you use the word “flawed” I would say that the proposals are efforts to deal with an imperfect world. There are many things, including some of the things you mention, that I might do if my starting point was a blank sheet of paper.

But simply ripping up established social and economic arrangements across 20% of the economy and in a way that impacts almost every American is bound to have many unintended consequences even if it was politically viable.

[MainFrame65]

My point was that EVERY part of any complex “solution” to a complex problem should actually address some specific part of the problem.

“Guaranteed issue” and “community rating” are feel-good non-solutions that guarantee only escalating costs and limitation of coverage. The insurance industry term for the results of guaranteed issue is “adverse selection” of coverage - that is, buy-in by consumers only after an adverse condition presents itself. And community rating totally divorces cost from all of the various risk factors, including the ones that are under our DIRECT, personal control.

The perfect should never be allowed to be the enemy of the good, but bad solutions that simply introduce new problems are NEVER the right way to go.