[FoRK] Adverse selection in insurance
dave.long at bluewin.ch
Mon Oct 19 05:13:59 PDT 2009
Just a note on how we do it here in CH:
1/ everyone's covered. why not simply have insurance act as insurance?
2/ there's a gamut of providers and a wide range of plans, but the
relationship is directly between the insurer and the insuree. what
motivates this US nonsense about tying insurance to (full time?)
3/ any social subsidization is done directly between the insuree and
the cantons, in the form of tax credits for premiums paid.
In general I find the swiss approach of first setting market prices
and then ensuring that no one gets given a raw deal to be much less
schizophrenic than the american approach of first claiming universal
rights and then quietly delivering very uneven levels of service...
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