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To: governsleastgovernsbest

The way to get healthy people to buy health insurance:

cover people with pre-existing conditions via Medicaid, not via cross-subsidies (i.e., charging healthy people more).

make health insurance a bargain for healthy people, not a burden

The states run up against this problem time and again with car insurance. Trying to make car insurance affordable for high-risk drivers, they tend to put the cost on low-risk drivers. This drives up rates and causes increasing numbers of drivers to drive without insurance. The answer, discovered again and again, is to limit the cross-subsidies from low-risk to high-risk drivers.

Another dumb idea is no-fault. The idea is to save more on lawyer’s fees. The consequence, however, is that low-risk drivers wind up subsidizing high-risk drivers. There are other ways to save on lawyer’s fees.

A third dumb idea is lax law enforcement. Car theft and insurance fraud are big contributors to high auto insurance rates.

Add these things up, and it spells Democrats.

While the Democrats create the conditions of auto insurance becoming unaffordable, since auto insurance is a state-by-state thing, they can just jack rates or taxes up, or run a deficit to cover the problem over.

Now, what exactly are the problems with making health insurance affordable. Pre-existing conditions, lawyers and defensive medicine, and Medicaid fraud.

I.e., Democrats.


11 posted on 05/01/2017 7:57:04 AM PDT by Redmen4ever
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To: All

Cuomo said if 13 year old girls objected to having sharing locker rooms with naked boys that was their problem and they needed more tolerance.
He was off the air for a couple of days and that was it.


14 posted on 05/01/2017 8:11:05 AM PDT by gibsonguy
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