Market Solutions

	Market Solutions
	There are market-based solutions to the problems besetting the current health care system. In a Policy Analysis, John H. Cochrane explains how "free markets can solve this problem, and provide life-long, portable health security, while enhancing consumer choice and competition." The key, he says, is "Health-status insurance." He writes: If you are diagnosed with a long-term, expensive condition, a health-status insurance policy will give you the resources to pay higher medical insurance premiums. Health-status insurance covers the risk of premium reclassification, just as medical insurance covers the risk of medical expenses. With health-status insurance, you can always obtain medical insurance, no matter how sick you get, with no change in out-of-pocket costs. With health-status insurance, medical insurers would be allowed to charge sick people more than healthy people, and to compete intensely for all customers. People would have complete freedom to change jobs, move, or change medical insurers. Rigorous competition would allow us to obtain better medical care at lower cost. Cato health policy analyst Michael F. Cannon says that one way to fix the health care system is to make consumers care about cost: More than 200 million Americans have public or employer-controlled coverage, and all are essentially purchasing it with someone else's money. And that's the problem: Americans demand more coverage than they would if they were spending their own money. In fact, we demand as much coverage as Canadians, for whom health care is supposed to be free. Both American and Canadian patients pay only about 14 cents for every dollar of medical care they consume. …If we want to increase access to health care, our first priority must be to contain costs. Nothing would help more than 200 million cost-conscious consumers. Letting Americans own their health care dollars is the right thing to do. And as it happens, it would also cover a lot of the uninsured. For an extensive analysis on the health care system, Tanner and Cannon explain more market-based solutions in their book, Healthy Competition: What's Holding Back Health Care and How to Free It.

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Saludos
Rodrigo González Fernández
Diplomado en "Responsabilidad Social Empresarial" de la ONU
Diplomado en "Gestión del Conocimiento" de la ONU

 

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