I’m an employee benefits attorney. Here is my four-part solution:
1. Portability of coverage from employer plans;
2. Pre-existing coverage (managed pools and subsidize if necessary);
3. Allow private insurance to sell across state lines (opens up the entire concept of free market competition - better product/lower prices);
4. Subsidize coverage for the poor and disabled.
Your suggestions are excellent:
1. Portability of coverage from employer plans;
2. Pre-existing coverage (managed pools and subsidize if necessary);
3. Allow private insurance to sell across state lines (opens up the entire concept of free market competition - better product/lower prices);
4. Subsidize coverage for the poor and disabled.
I think if they only did #3, allow selling of private insurance across state lines, it would be a huge step in the right direction. It might be worth it to just do that one thing and see what happens. #4 is basically already being done.