utgibbs
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Here's where I see vouchers being the better choice on the cost side.
Universal single coverage is a one size fits all plan. The program sets coverage policies (what's covered, how much) and applies to all.
We already saw coverage creep in ObamaCare raising the "essentials" to include Viagra, fertility treatment, etc.
In effect, the one-size fits all has to have a high level of coverage to meet all the diversity of needs.
With vouchers and private insurance, people can choose the coverage that fits them and overall we don't have the same total coverage. You could even build in an incentive via HSAs or rebates to reward people for just choosing programs that fit what they want covered.
For example, the whole minimal actuarial of ObamaCare being set at 60% I believe will raise costs because prior too that people had coverage that was less BUT THEY WERE SATISFIED. This is why we've seen the 1000+ waivers.
I just don't see how this works. It sounds absolute bizarre to "design" what health coverage you want. That's the whole point - you want to use a health system as little as possible.
I know there were only 10,000 new cases or so, but what happens to all the thirtysomethings not worried about testicular cancer, but get it? To say nothing of the rest?
Suddenly, every thirtysomething that can buys testicular cancer insurance because who would be caught without it?
Which = inefficiency. Which is another great explanation why health care is not a market.