Comments on: Health insurance should be more like car insurance, you pick the coverages and the deductibles to meet your?

By: Chloe

Chloe — Tue, 04 Mar 2008 03:41:17 +0000

I agree that our employer-based health-care system is a problem, and there needs to be a better solution for our health insurance needs. I am not sure where you are located, but there is a new company offering low cost individual health plans in Texas for young, reasonably healthy people, and is a great health insurance solution for people who are not covered through their place of employment. You buy into a plan at a super low cost with fixed benefits that will cover the typical activities and preventative care of a healthy person. Then, if something catastrophic happens, you have the option to get additional levels of coverage, even AFTER the event. A healthy male 25-years-old (and under) would pay under $100 a month for basic coverage. Check them out at Even if youâ€™re not in Texas, my understanding is that theyâ€™ll be offering plans in additional states soon.

By: Zarnev

Zarnev — Mon, 03 Mar 2008 08:04:44 +0000

Actually, individual health insurance is already that way. I could get you a policy with a zero deductible and I could get you a policy with a $25,000 deductible, and almost everything in between. You can get policies with unlimited doctor visits for a co-pay, limited doctor visits (2, 4, or 6 per year) for a co-pay, or no doctor visits. You can get policies with or without prescription coverage. You can get policies that have X-rays and lab work for a co-pay or that have X-rays and lab work subject to the deductible. You can get policies that cover maternity and policies that don’t.

The problem with the selection is that it makes health insurance very complicated. In my area there are nearly 1000 different options available to you. People try to find a policy using the internet to compare those 1000 plans instead of using an agent; then they get upset because the policy they got (usually because it’s the cheapest) doesn’t cover want they want covered.

Group policies do have fewer options, but that is because nobody wants to pay for more options. You can get nearly all the options available to individuals in a group policy, but because of the mentality of the employees expecting every little sniffle to be covered the group policies are usually limited to one or two options for each employer.

By: becksbear

becksbear — Sat, 01 Mar 2008 01:57:32 +0000

I agree, and I do like your idea, not bad at all. I am not for universal health care.

By: right you are ken

right you are ken — Thu, 28 Feb 2008 14:50:41 +0000

In the greatest country on earth, and we all argue over health care, shouldn’t we just make it non-profit? I thought the whole point of being in the medical field was to help people, not get rich? I’m not saying people shouldn’t be able to make a decent living in health care but wouldn’t we all be better off if the industry wasn’t paying outrageous salaries to many without any kind of medical background, instead of a business background and the letters CEO, CFO, COO, etc. behind their plagues in their corner offices?

By: Carpanone Kid

Carpanone Kid — Wed, 27 Feb 2008 08:13:26 +0000

Very good points. The things that you left out is because of how coverage has grown over the years, that in itself has driven up the prices of health insurence through the roof. Just imagine if they made car insurance like health insurance. Can you imagine how the prices would shoot up if your car insurance covered things like replacing wiper blades or air filters? This is no exageration either.