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Neocon Nuttery
See other Neocon Nuttery Articles

Title: America’s broken health insurance system (MALKIN ON MD HEALTH INSURANCE IN 2004)
Source: michellemalkin.com
URL Source: http://michellemalkin.com/2004/08/2 ... roken-health-insurance-system/
Published: Aug 27, 2004
Author: Michelle Malkin
Post Date: 2007-10-10 14:55:18 by aristeides
Keywords: None
Views: 1489
Comments: 33

America’s broken health insurance system

By Michelle Malkin • August 27, 2004 07:29 AM

Paul Krugman has a column in today’s New York Times decrying America’s health care system. He supports–surprise!–a single payer approach.

I have commented before on the problems with central planning in health care. I certainly am not convinced that a government-run system is the answer, but I do agree with Krugman that there are serious problems with our health insurance system, particularly in the market for individually-purchased (non-group) coverage.

After my husband quit his job earlier this year (to become a full-time stay-at-home dad), we had a choice. We could either buy health insurance from his former employer through a program called COBRA at a cost of more than $1,000 per month(!) or we could go it alone in Maryland’s individual market. Given our financial circumstances, that “choice” wasn’t much of a choice at all. We had to go on our own.

We discovered that the most generous plans in Maryland’s individual market cost $700 per month yet provide no more than $1,500 per year of prescription drug coverage–a drop in the bucket if someone in our family were to be diagnosed with a serious illness.

With health insurance choices like that, no wonder so many people opt to go uninsured.

In the end, we decided to purchase a very high-deductible plan (sold by Golden Rule Insurance Co.) coupled with a tax-sheltered Medical Savings Account (MSA). We couldn’t qualify for the preferred rate because Golden Rule says I am underweight. Hmph! In any case, while Krugman and most Democrats don’t seem to like MSAs, in our case we were glad they were an option.

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#2. To: aristeides (#0)

The Malkins meet the reality of medical insurance.

In the mid-90s I went through a similar experience, back then COBRA payments for me (I had a very good plan for 5+ years through a major utility company) were $824 per month. My husband's preexisting health condition made private insurance out of the question. COBRA lasts 18 months.

Many people work for the govt, just for the benefits, which are far superior and less expensive than most anything currently available from today's corporations.

For example, my daughter began working for the State of California a few months ago. She pays $2.00 per month for Kaiser (HMO) for herself and her family. They are all very healthy, so that's all they need. Previously, she had been paying $500 per month for an inferior health insurance through her employer.

robin  posted on  2007-10-10   15:11:41 ET  Reply   Untrace   Trace   Private Reply  


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