tag:blogger.com,1999:blog-4689546162945514236.post3838011518627518821..comments2023-11-03T20:50:13.206-04:00Comments on Charles Hawkins: Health Insurance ReformCharles Hawkinshttp://www.blogger.com/profile/10741773124719033768noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-4689546162945514236.post-41453070432947654302007-09-07T22:11:00.000-04:002007-09-07T22:11:00.000-04:00I suuport your plan. Keep in narrow and keep it si...I suuport your plan. Keep in narrow and keep it simple, and maybe it can fly.<BR/><BR/>Talk about a head ache: start digging into all the provisions of many of these plans and most of us run away, confused and discouraged.<BR/><BR/>Apply your rules to one basic plan of defined coverages that all insurers must offer -- nothing less accepted. However, they can then go crazy, compete and come up with any coverage or underwriting rules for add-ons they want. Basic auto liability policies are sort of like this -- simple. Add collision if you want . . .<BR/><BR/>The last time I looked, bad risks in the auto insurance world are doled out to the insurance companies doing business in the state based on their total premiums -- big companies get the biggest share of bad risks. Simple.<BR/><BR/>Then the Hawkins plan can't be sandbagged by the liberals who want to pile in everything but the kitchen sink nor by the conservatives who want everyone to understand what a fragile and confusing mess the existing system is, and therefore no one in his right mind should change it. <BR/><BR/>Your plan is what your plan is about: pricing and availabilty of basic coverage. I love it.<BR/><BR/>CarlileCrutchhttps://www.blogger.com/profile/15553955189600252363noreply@blogger.comtag:blogger.com,1999:blog-4689546162945514236.post-10109378881558049122007-09-07T19:54:00.000-04:002007-09-07T19:54:00.000-04:00Charles,I am with you on the health care reform th...Charles,<BR/><BR/>I am with you on the health care reform thing.<BR/><BR/>We've got to have legislators who aren't beholden to drug companies and insurance companies. Until that happens, we're in a mess. <BR/><BR/>I don't imagine much will happen with healthcare reform until the issues effect an even larger swath of the American public. <BR/><BR/>Am I cynical? I hope not. <BR/><BR/>You remain in our thoughts and prayers. <BR/><BR/>Sean+FrSeanhttps://www.blogger.com/profile/09085653326048476395noreply@blogger.comtag:blogger.com,1999:blog-4689546162945514236.post-50742413836264492522007-09-07T18:15:00.000-04:002007-09-07T18:15:00.000-04:00Hmmm. Interesting. MA just launched a "universal h...Hmmm. Interesting. MA just launched a "universal health care reform" program , but it's really complex and not that great. Basically it legally requires everyone to have health insurance, whether you can afford it or not. If you're under a certain pay scale, you can get free insurance. However, if you're just over it (which, let's face it, most of the middle class increasingly is), then you have to come up with money to pay for insurance and risk getting fined. Furthermore, the "free pool" for those with no insurance at hospitals is being depleted for the program, so how will they treat those with no insurance in a couple of years? Who knows... Also, I wonder about making it the same rate for everyone. What about smokers? They consciously made a bad decision and are likely suffering very bad health effects from it, which everyone under a coverage plan will have to pay for, rather than those who smoke. It's just an example, and I'm not saying by any means that health care should be denied to anyone or that the system isn't screwed up, it's just food for thought...Hilaryhttps://www.blogger.com/profile/01859934114066896286noreply@blogger.com