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| Authored by: DaveF on Friday, September 14 2007 @ 10:38 AM CDT |
I agree with you. The reason I'm not self-employed is because of the limited options for insurance for my wife because she's diabetic. Never mind she takes better care of herself than a lot of people who aren't diabetic. The majority of providers see the "D" word and won't look past it before throwing her in the "uninsurable" pile. The options that are left make us jump through a lot of hoops.
I don't know how you solve it. A government takeover brings a new set of problems. Maybe the answer is tighter regulation. But the insurance industry has a lot of money to use to buy votes, and that's a big obstacle to overcome.
The approach some states are taking where they require you to have insurance doesn't solve the problem unless they also force insurance companies to sell insurance to you at a reasonable price.
In our case, during an 8-month interval where I was a contractor for a company that didn't provide insurance and we couldn't buy private insurance, the insurance agent who takes care of our auto and homeowner insurance told us about a state-provided plan. It was really expensive and didn't cover pre-existing conditions for a year. It wasn't ideal but at the time we couldn't find any better options either.
Back in the early 1990s when it looked like the Clinton plan was unstoppable, at least one alternative plan based on the plan Congress gets surfaced. Unfortunately when the Clinton plan got derailed, the GOP abandoned the alternatives too.[ Reply to This | Parent ]
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