A new approach to the uninsured – coverage up to $25,000 annually, without catastrophic health insurance. Liberal policy wonks may scoff, but this may be what people want:
In an interview, Gov. Bredesen says he listened to focus groups and queried blue-collar folks, such as a waitress at a waffle restaurant, to devise his plan. “They weren’t interested in buying insurance for catastrophic events. They wanted access to the emergency room next month, access to the pharmacy next month,” he says. “Let’s give people what they want instead of what some advocate says they want.”
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- Congressional Budget Office’s Report on Consumer Directed Health Plans
- Stossel gets it right, again
- Giving it your all
- High-deductible plans cut ER use
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{ 3 comments }
Uh huh. And then they get seriously injured when their motorcycle crashes. Or they get cancer. Or they get stabbed in the chest.
The medical expenses will quickly mount well past the $25,000 mark. Do you honestly think the provider is going to collect one dime of any high-cost, catastrophic cases these people might incur?
This seems short-sighted to me.
Sometimes I think a doughnut-hole concept isn’t such a bad idea. Provide decent coverage for the day-to-day things that most people experience, then have a gap where they have to pick up more of the cost on their own, before the catastrophic coverage kicks in again.
Just my $0.02.
The commenter above misses the point, and throws the baby out with the bathwater. People want primary care access, and are willing to forego catastrophic coverage to get it. But YOU don’t thinks it’s good for THEM, so they get nothing.
It’s a good thing that YOU know what is best for them.
Speaking as someone who is uninsured, I would love this if it were reasonably priced.
I’ve never had medical bills in excess of $20,000 in one year, even with flare-ups of my chronic condition.
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