White people do her-ron on the east coast now.

It's really bad in suburban NJ/NY and New England.

Trump's nose is like a traffic light. What the hell happened to him?

I'm sure all these republicans were very understanding that crack cocaine is a health problem and not a criminal problem.

I think among liberals he's one of the consensus "least objectionable" candidates (along with Christie)

I also agree that they're both hot garbage.

I wonder how much better Jeb would be doing if he didn't look like a bowl of mashed potatoes with glasses

Just as a PSA the ideas proffered on healthcare economics (sell across state lines, expand HSAs, decouple insurance/employment) are all either terrible ideas or already being done right.

I still think "pro-choice vs pro-life" is the right wing's best semantic victory.

How is disentangling health insurance and employment terrible?

Christie demolished Rubio.

Legit curious about this too

goofball is a health insurance company shill. Discoupling insurance from employment is ldo the right plan.

It's not per se (see either terrible or already being done right) but what people always overlook when demonizing employer-provided health insurance is that it solves a critical problem in health insurance: antiselection.

tl;dr: Insurance needs healthy people subsidizing the sick, otherwise it doesn't work. Employer-provided insurance is one way to achieve that, get rid of it and you need another way (like a very strong individual mandate)



In order for insurance (of any kind) to work you need to have some people for whom premiums > claims, have some people for whom premiums < claims, and hope you wind up roughly even. The problem is if people are fairly confident insurance is going to be -EV for them, they won't buy it. For some kind of insurance (e.g. earthquake) that's not a problem, because no one has a great idea what their expected earthquake related claims will be. For health insurance though, it is a problem.

I bet you have a pretty good idea what your health care costs will be this year (barring some catastrophic event) right? Yeah, so do most people, and if you sell insurance to everyone individually, the people for whom insurance is +EV to buy will likely buy it, and the people for whom it's -EV likely will not. If that happens insurance doesn't work for what should be obvious reasons.

There are solutions to this problem. Here are some examples:

-Sell insurance to a whole group of people at once, getting both the low and high risk customers
-Screening on the part of the insurance company (e.g. excluding pre-existing conditions, refusing coverage)
-Sell individually with a strong mandate (everyone has to buy it, get the low and high risks)
-Refusing to cover more predictable costs (e.g. well visits, babies)
-Single payer

So I have no strong principled objection to getting rid of employer provided insurance, but doing so unsolves a huge problem that we would need to re-solve, or health insurance wouldn't work.

told ya

good informative post goofball, thanks.

You're kind of changing the definition of insurance. Insurance should inherently be -EV but still correct in most cases because of the mitigation of risk. You're kind of arguing that earthquake insurance doesn't work if Floridians won't pay for it to subsidize California

+1

So is this where corporate sponsored wellness programs start to jam things up? Because if a fat or an old doesn't hit the mark, he loses his coverage and would be practically uninsurable as an individual?

why don't you refute the points he made, rather than be a smug prick about the whole thing?
let's have a decent discussion instead of just snark.

I got "every living American human being" as the best group to accomplish this

See the solution noted a few spots down

ya but
1. Most people don't think earthquake insurance is a right like people do with health insurance
2. Earthquake insurance is profiled - CA residents pay more than FL residents

You come off really poorly here. Goofball's position is obviously justified. You're just a dick for no good reason.

Oh man