Posted on 11/18/2017 4:54:31 PM PST by Olog-hai
Nearly 30,000 people in Switzerland are on a blacklist because they dont pay their health insurance premiums, according to Swiss media.
Blacklists have only been permitted as an option since 2012 and only nine cantons have chosen to introduce them, the Aargauer Zeitung reported on Wednesday.
The lists include people who do not pay their premiums or fall behind in their payments. [ ]
Those blacklisted will no longer receive cover for medical bills apart from in an emergency. [ ]
Swiss basic health insurance (LaMal) is compulsory for everyone in Switzerland. Individuals can choose from one of over 60 private insurers which offer the same level of cover.
The cost of premiums has spiraled in recent years. Since the law on compulsory health insurance came into force in 1996 the average standard premium has risen by 4.6 percent a year, taking monthly payments from 173 francs in 1996 to 428 francs in 2016. Premiums are set to go up again by four percent in 2018.
(Excerpt) Read more at thelocal.ch ...
The wave of govt oppression of the individual marches on. Constant political and economic duress is today’s watchword for govt.
I don’t find this completely unreasonable. If you don’t want the “mandatory” coverage, you don’t pay, and you don’t get it, but they still handle emergency care.
The only thing I see wrong is if the mandatory coverage is absurdly overpriced because of BS add-ons for PC medical items like sex change counseling and similar voluntary items that shouldn’t be socialized.
Our Founders had a high opinion of Switzerland. Compulsory insurance would have tamped that down some.
“The wave of govt oppression of the individual marches on.”
You can say that again.
I wish more people were alarmed.
That's just crazy!
We only need two healthcare laws.
1) If you can’t pay, either privately or through insurance, no healthcare provider is obligated to treat you (outside of stabilization in an emergency).
2) Any healthcare provider who decides to treat those who can’t pay is forbidden from spreading the costs to those who can pay.
Want the health care but wont contribute to medical research and doctor pay...
Capitalism is not the culprit, the culprit is a bunch of savages who
contribute nothing to people who have talent, ie capitalism not enforced
So people who refused medical care are still living. How ... is ... that ... even ... possible ?
Forced insurance and insurance mandates NEVER lower actual premiums and always increase them.
They never work to the financial benefit of those in need of health care.
They benefit insurance companies because they function as de facto non-compete arrangements - when every policy has to have certain things in it, insurers have no incentive to compete on the premium costs for things they all must cover.
They benefit insurers directly because you must buy their products.
They benefit the health care providers most of all because by demanding everyone’s health care is “insured” the health care providers are getting a guarantee that no matter what they charge someone is going to pay for that charge.
Here in the U.S. since the 1960s:
More and more demands have been placed on what MUST be in employees health insurance policies. Have premiums EVER been lowered because of that? No.
It has been demanded that more and more people MUST “somehow” be covered by insurance - lowering the level of the “uninsured”, and the politicians enacted laws and regulations to do that. Did premiums EVER come down? No.
Finally in Obamacare all demands, on employers and on insurance policies were upped and the mandate that everyone MUST buy insurance was made universal. Did premiums finally come down? No.
And through it all for nearly five decades when have the costs of health care EVER gotten lower, any item? Mostly never.
Financially, as the laws actually empowered mostly the health insurance companies and the health care providers, and never the health care consumer, the cost of “health insurance” has kept taking a bigger and bigger byte of everyone’s incomes and the health care itself is more costly than ever. Score a big plus for insurers and the health care providers and zero for the consumer.
It’s time the entire “insurance” gambit was put to rest.
Most of what is presently being paid in insurance premiums should be shifted from “insured” items to health savings accounts, leaving something like “catastrophic” or “major medical” as insured, along with a financially effective “accident insurance” policy. When more health care is what is being paid out-of-pocket (including out of a health savings account) customers will begin to exercise some market influence on what health care providers are charging, and they will also spend less on unnecessary “health care” (which they do just ‘cause it is “insured”).
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