I almost spilled my coffee all over myself this morning when I read the news that AHIP –
The release read, in part:
Health plans today proposed guaranteed coverage for people with pre-existing medical conditions in conjunction with an enforceable individual coverage mandate.
Under the new proposal, health plans participating in the individual health insurance market would be required to offer coverage to all applicants as part of a universal participation plan in which all individuals were required to maintain health insurance.
Health plans also said that premium support for moderate-income individuals and broad spreading of risk was necessary to promote affordability and maintain premium stability in the individual health insurance market.
Let’s see – major corporations and the health plans are lining up for mandatory coverage. The financing is still up for debate, but it is likely to involved government as the fee (OK, call it a tax, but it isn’t quite the same since there is a direct benefit to all). I can see a situation where individuals have a voucher, paid for by the employer, sometimes government (using an income test), and the individual picks a plan. They, or their employer, can add to the basic plan. I also expect that we will see more state experiments, in addition to