Quote:
Originally Posted by WT Sharpe
1) If like the insurance you have, you can keep it. That's why it's called an option.
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My "options" are the plans my employer offers. If a "government" plan comes around that will cost my employer less money then they are going to drop other offerings. So, guess what I can't keep the plan I have. Not that the plan I have is all the awesome in the first place.
Another thought I had was in RI for auto insurance if you were a new driver and you weren't on your parents policy they only way for you to get insurance was in what was called the "risk pool". The risk pool could not turn you down. The rates were somewhat affordable because everyone in the risk pool subsidized everyone else. You could buy insurance from any company but that insurance company had the backing of the risk pools funds.
Isn't that how flood insurance works too? Anyway... I'm not sure I am going with this... but there are models of shared risk that we could emulate rather than building some big bureaucracy.
BOb