Word: careful
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...fairly safe bet that the people telling pollsters they're satisfied with their health insurance or who are warning politicians to keep their hands off the current health-care system have never had to buy a health-insurance policy on the open market. After all, the conditions for individuals who do have to fend for themselves in search of health insurance couldn't be much worse than they are now. As one-person (or one-family) risk pools, they have no leverage, premiums are often prohibitively expensive, choice is usually limited and comparing available plans - in the event that more...
...many) individuals would get to shop there and whether states or the Federal Government would be in charge, are still very much under discussion. Which exchange design emerges from Congress could go a long way in making or breaking health reform as a whole. (See TIME's video "Health Care for the Uninsured...
...constantly invokes Ronald Reagan and traditional values but seems uncomfortable with modern problems. His solution for the energy crisis is for government to butt out so that someone can invent a tiny battery that will power a whole city. The only specific critique he made of U.S. health care was that hospitals don't say how much their appendectomies cost, as if patients in acute abdominal pain are looking to comparison-shop. He tweeted that the situation in Iran would be different "if they had a 2nd amendment like ours...
...their own, and that could create problems from the outset; not only could they take longer to set up, but there is doubt about whether state or regional exchanges would be able to attract enough enrollees to leverage for lower premiums. Alain Enthoven, a leading health-care economist at Stanford University, says these conditions would make it impossible for the exchanges to reach the "critical mass" of pooled enrollees necessary to leverage insurers to offer lower premiums. Enthoven says exchanges need at least 20% of the privately insured population to be viable, far more than would participate under the House...
Insurance exchanges are not a new concept. Under President Bill Clinton's ill-fated health-care plan, they were called "alliances"; in a current alternative bipartisan reform bill offered by Senators Ron Wyden and Bob Bennett, exchanges are called "health help agencies." And when members of Congress talk about offering Americans health insurance that is as good as what they themselves have, they are referring to the largest exchange in operation, the Federal Employee Health Benefits Program (FEHBP). On the program's website, federal workers can enter in their location and see what private insurance plans are available...