The Immorality of Guarantee Issue Health Insurance

While there are genuine debates about whether privatized health insurance or nationalized health insurance policies make more sense, there can be little doubt that guarantee issue policies represent the most immoral type of hybrid between the two. The argument that everyone should be covered by health insurance is an argument for a nationalized health care policy. By contrast, believers in privatized health insurance argue that a private system yields more efficient pricing and cost controls in the health care field. But with guarantee issue health insurance policies, an immoral situation is created that undermines the benefits of a privatized system by poorly and immorally implementing some of the edicts of a nationalized system.

Canada has a nationalized health care policy that many in the U.S. wish to emulate. While the idea of promising health care benefits to all citizens is appealing, there are downsides. For example, many in Canada are forced into long waiting lines to receive health care treatment. In fact, the Canadian courts just ruled that many laws which barred citizens from seeking alternative health insurance options were unconstitutional. If the health care system in Canada were capable of serving all citizens in a timely manner, there would be no need to seek alternate routes. The Canadian courts were correct to view laws limiting how people can spend their own money for their own health benefits as inconsistent with their fundamental freedoms. But barring those attempts by legislators to enforce a monopoly on nationalized health insurance, the premise of taxpayers supporting a nationalized health care system makes sense from an ethical point of view. In such a system all taxpayers are subject to the same benefits and burdens with respect to their existing tax structures.

Similarly, a privatized health insurance system like that in place in the United States makes sense from an ethical standpoint. While it can lead to tragedies where uninsured people contract illnesses and cannot pay for medical treatment, it treats people in a fundamentally fair manner. Everyone is free to make their own decisions, and pay or suffer the potential consequences. Those who wish to spend money to guarantee funds are available in case of medical emergencies are free to do so, and at a price that falls within their statistical risks.

But guarantee issue laws for health insurance companies are fundamentally unfair. They punish those who are willing to pay for insurance by saddling them with costs far beyond what they should owe statistically, or what they should owe in a nationalized system. Health insurance rates in guarantee issue states like New York and New Jersey are around 3 to 4 times what they are in other states. Is it fair for a consumer in New Jersey to pay three times as much for the same health insurance as they would in another state? Of course it isn't. These consumers have been unfairly placed into a statistical pool that isn't representative of their health care needs, and forced to pay far more for health insurance than their situation dictates. And they are forced into this situation precisely because lawmakers have chosen a terrible hybrid model that removes any pretense of fairness in pricing that exist in the more natural nationalized and privatized models.

As more and more people in the guarantee issue states become unable to afford health insurance, those states will be forced to answer for the fact that their policies have made them leaders in the numbers of uninsured. A new law called the Health Care Choice Act is being proposed to allow residents of one state to purchase health insurance from another. While legislators in guarantee issue states will oppose such laws, they'll have a hard time pretending they're doing so on behalf of their constituents who are actually paying for health insurance.

Rex Ryan maintains the website:

http://www.buyinsurancecheap.info

---

How To Get Cheap Whole Life Insurance Quotes

Whole life insurance quotes the most expensive kind of policies... Read More

Insurance or Assurance - Do You Need Reassurance?

Insurance versus assurance: what is the difference?Should you care?Yes!!The world... Read More

Check Out The Variety of Auto Insurance Texas Style

They say everything is bigger and better in Texas, and... Read More

Term Or Whole Life Insurance - Which Is Right For You?

One of the most important things you will ever do... Read More

About Online Term Life Insurance Rates

Online term life insurance ratesHow simple it is today finding... Read More

Motor Insurance with Pass Plus

Is pass plus really worth it? What motor insurance discounts... Read More

Health Insurance 101 for Individuals and Families

The changing healthcare and health insurance landscape in the United... Read More

Family Health Insurance Plans - How to Find The Best Provider Online

Family health insurance plans typically need to offer more coverage... Read More

Health Savings Account (HSA): How Do I Invest It?

The Health Savings Account (HSA) is an amazing tool that... Read More

Health Insurance Quotes Online - Tips On Finding a Good Provider

Since 2001, major health insurance providers have been allowing consumers... Read More

How Much Car Insurance Should You Buy?

Car insurance is one of the most dreaded chunks in... Read More

Indemnity Insurance For Landlords

As a property owner it is essential to protect yourself... Read More

Insure Your House

When we talk about insurance the thing you have to... Read More

Long-Term Care Insurance: Eldercare Solution

When I suddenly had to become a fulltime caregiver to... Read More

Group Term Life Insurance and the Options Available

Group term life insurance is more affordable than individual life... Read More

Travel Insurance Pre-Existing Conditions Coverage - How It Works

What is a Pre-Existing Medical Condition?When a trip cancellation travel... Read More

CarInsurance.com Is Available At All Dealerships With Internet Access!

You are ready to buy your first car. Researching the... Read More

Life Insurance Information

Life insurance is a personal insurance plan designed to pay... Read More

Insurance Claim - Medical Insights And Expenses

There's nothing that has a greater impact on evaluating a... Read More

House Insurance - Forcible and Violent Entry

Forcible and violent entry (f&ve) is the terminology used within... Read More

Everyone Wants The Cheapest Automobile Insurance Quote

When you are looking for an automobile insurance quote, the... Read More

The Great Value Of Accident Photographs

You were humming along on a bright and sunny day... Read More

Long Term Care Insurance - Low Cost Alternatives For Budget Conscious Seniors!

With Nursing home Cost's running $4,000 to $6,000 a month... Read More

Life Insurance, the Universe, and Everything

You may have noticed that life insurance is coming back... Read More

Homeowners Insurance at a Glance

At first glance, homeowners insurance may seem perplexing and quite... Read More

Life Settlement: Towards A Free Market for Life Insurance

The Life Settlement market is all about providing due access... Read More

How Will an HSA Save Me Money?

The Health Savings Account (HSA) is a tool to help... Read More

Senior Life Settlement-Uses and Applications

In a recent article in the National Underwriter (April, 2005)... Read More

Guide to Life Insurance

Here is a useful guide to life insurance. Simply put,... Read More

Health Insurance, What Does It Mean?

Your health insurance policy is an agreement between you and... Read More

Term Life Insurance Help

Life insurance can be a very scary thing. If you... Read More

Homeowners Insurance Coverage

When deciding on the appropriate amount of homeowner's insurance coverage... Read More

Types of Homeowner Insurance

There are 6 different types of homeowners insurance in general... Read More