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Neocon Nuttery
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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: 1392
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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#3. To: justlurking (#0)

ping to our health insurance expert!

robin  posted on  2007-10-10   15:12:08 ET  Reply   Untrace   Trace   Private Reply  


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