If he says the pre-existing condition and keeping kids til 26 pieces then he needs to let the insurance companies work out the numbers. If it’s truly portable and competitive, companies will try to keep those costs down.
A lot of health plans as we used to know them before Obamacare, was the ability to have it charged at a negotiated rate. Doctors’ rack rates were far more, perhaps reflecting the difficulty in being able to collect on a billing only basis.
How to bridge the gap and make it possible to keep costs reasonable? Perhaps a reversal of the individual atomization concept. Charities that might be willing to take problem cases under their wings with an understanding that someone helped by them would help others later through that charity, in a kind of pay it forward loop.
Yep. Let the market determine the cost.
The extra cost of a pre existing condition can be neutralized by buying into a larger risk pool. We’ll have the freedom to do that once the free market opens everything up, especially if he can make the insurance available across state lines.
That part will be a real challenge.