The John Edwards health insurance plan

Private insurance would be available through a mechanism Edwards calls “Health Markets.”

Did anyone else crack up at reading this? Let me guess:

“Patients and insurers will reward health care providers with what Edwards calls ‘Money.’ Americans will monitor their health through what Edwards calls ‘Doctor Visits.’ They will secure access to this money through a mechanism Edwards calls ‘Having a Job.’ Decision to provide or purchase various medical service will be determined by what Edwards calls ‘Supply and Demand.’ People will arrive at health care providers in what Edwards calls ‘Vehicles.’”

What benefits do they yield if we don’t regulate them very heavily?

If left to do their job, they eliminate (or reduce) UNPREDICTABLE risks. Since most people are risk-averse, this is a considerable benefit.

(It’s a benefit to me to have car insurance; I pay the expected cost of my damage, and get the actual cost–the expected cost is predictable, so it is mcuh less risky.)

Health Care plans also could serve a purpose by using their expertise to come up with plans that deliver the best value for money. In a healthy market, health care plans would deliver considerable value as the patients’ advocate to find a package of care that matches their needs with the best available care from all over the United States for the best price. Unfortunately, the incentives of the current health care system are not aligned in this manner, so health care plans join suppliers and providers in a game of hot-potato cost-shifting.

An over powerful single payer can have serious unintended consequence on the system. Doctors are free agents and will respond to a heavy-handed monolith in ways that may not be best for patients (e.g. retire early, change what services they offer, stop taking one or another kind of insurance, change specialties or towns, etc). Medicare has had their fair share of access problems because of this.

Also, as long as Americans can sue for huge amounts for any bad outcome and so long as they expect the cadolac of care, it is going to be impossible to affort care for everyone. We need a baseline of care with liability protection to affort universal care, even if it means a two tiered system.

Federal law doesn’t require any insurer to offer any particular amount of coverage,

Maybe not, but certain state laws do. Particularly in my state…Oregon. “Basic” or “limited” plans are not allowed.

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thank you very much