Quote:
Originally Posted by AlphaFrog
What would be the point of the vouchers? If they were going to give you a $200/month voucher, and you purchase your own health insurance, why would that be different from them just paying you $200 more than they would have?
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The vouchers would be good only for health care (so irresponsible people can't go gamble them away, etc) and the difference is simply that I get to pick my own, which fosters competition among health care providers.
DF: For the question about insurance pools, that methodology is no longer being followed for the major health insurers in Michigan as they are going by personal health risks to determine current levels of coverage instead of "everybody who works for ABC gets their insurance for X$". I laid that all out in another thread here recently. It is now risk based, not pool based so the pool concept becomes a moot point. Pools can be communities, age groups, etc.. just like they are for every other type of insurance. If the "pool" is everybody in the county, for example, then, per the "risk pool" concept, it should be even cheaper because there are more people in the county than there are employees in your company.