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Thread: Competition is needed to improve health insurance options for Americans

  1. #221
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    Chris's Avatar Senior Member
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    Quote Originally Posted by John Galt View Post
    Then you just admitted to not reading the thread before you jump in with words that you don't understand.

    Peter: "Competition is a guarantee that prices will be lower."

    Galt: "This article describes why that won't happen, and why it hasn't happened in states that opened their borders."

    Chris: "Addressing the reasons why open borders will not work is a non sequitur." "Derp!" "Here's the same exact link that Galt provided. It proves that competition won't work" "Derp!"

    Who cares about how basic economics demands that competition reduces prices, when you're discussing healthcare?

    Competition does not always reduce prices, especially given that our anti trust laws demand competition. Go price a Ford/Chevy/Dodge truck. Let me know what you find.


    "Then you just admitted" = you just made stuff up again.

    Paraphrasing Peter: Competition tends to lower prices.

    Paraphrasing Galt: Peter, this article about open borders doesn't address that, it goes off-topic into something I think I can win an argument about.

    Chris: Galt, why open-borders doesn't work is a nonsequitur to what Peter said.

    Who cares how economics works? Peter does. Carolina does. I do. That's the topic. Maybe you ought to address it--if you can.

    "Competition does not always reduce prices." True, there are other factors to consider, one can compete instead with quality or access. Open-borders is not one because the problem there is a regulatory one that prevents competition.

    "anti trust laws demand competition" Wrong. Anti-trust laws remove competition for those who can't compete. See Armentano's Antitrust and Monopoly: Anatomy of a Policy Failure. --Also, you're running away from economics again.
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  2. #222
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    Quote Originally Posted by John Galt View Post
    How does a high risk pool make insurance cheaper for healthy people? By doing away with risk sharing? A big part of your plan to sell across state lines would require an end to state oversight of benefits. So you would create a situation where healthy people can afford insurance, and women can't.

    You're still calling for the govt. to 'meddle' in insurance.
    Don't mischaracterize my position.

    High risk pools take the high risk / high cost people out of the math for other insured. So they are not paying more in their insurance costs for those people.

    I have said state high risk pools are government meddling. You can drop that issue now.

    Insurance companies selling across state lines can co-exist with state high risk pools.
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    donttread's Avatar Senior Member
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    Quote Originally Posted by Peter1469 View Post
    Competition is needed to improve health insurance options for Americans

    Some states have as few as three health insurance companies. Some more. But none really have true free market competition, which would bring prices down.
    There are those that believe that we'd be better off without insurance except for catastrophic events. Lets face it before insurance was common people afforded their healthcare and because it largely came out of pocket the cost could influence behavioral changes.
    Typically it does not matter which doc I go to the co-pay is the same. If we could make them actually compete with each other on that co-pay it would be a great start.

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    Quote Originally Posted by donttread View Post
    There are those that believe that we'd be better off without insurance except for catastrophic events. Lets face it before insurance was common people afforded their healthcare and because it largely came out of pocket the cost could influence behavioral changes.
    Typically it does not matter which doc I go to the co-pay is the same. If we could make them actually compete with each other on that co-pay it would be a great start.
    Yes before O-care you could get cheap catastrophic care. You pay 10K a year and everything else is free. For a low monthly premium. If you are healthy this is ideal.
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