i think the uninsured risk pool should be proposed separately as an FDIC type insurance to cover insco loses. Maybe teamed up with tort reform. Paid for by insco’s. The more individual people you cover the less insurance you pay in order to incentivise individual coverage. This could be privatized and not government run. It takes car of people who lose insurance from work place issue and allows to insco’s to provide catastrophic and or other types of coverage for people that don’t have coverage. totally private setup by law. just my opinion. there are tons out there.
Insco’s pay for NOTHING!! You pay based on projected profits . A high risk pool is the answer which the insured pays for. If the insured can’t pay for it then subsidize the insured but don’t move him to MY POLICY!! I am not sick!! Take the money from the general fund but reduce welfare by insisting on “community service” 5 days a week if you are able bodied. You will see millions go to work and thus will have general revenue to pay the risk pool subsidy. This is so easy.