In a public insurance scheme, firstly, it is not established to be profitable. So while there is an incentive to keep costs down by cutting services, it is to a smaller degree than that of a private company. Secondly, the size of a public insurance scheme would mean larger savings in efficiency, both for care providers and for the public insurer itself. There is no reason why people should not be able to get private secondary coverage for anything the public coverage does not cover. So people's concerns about whether their problems are cover should be alleviated. In conclusion, I think that public insurance is a better option than mandating private insurance.
Many people cannot afford health care, and the public option would improve the overall health of the nation. Private companies can gouge prices, which can make it difficult for individuals to buy care if they are not insured by their jobs. Overall, providing public health care would increase the well-being of the nation and encourage preventative care.
Public insurance would not fit the individual needs of the people it is supposed to help. Our population is not cookie cutter and we need to be able to choose the best options and prices for the desired coverage ourselves. People will resent having their choices taken away along with a higher tax burden to finance such a program.
Health insurance is made a business by a company gambling on how like you're going to live. That's really not a good thing. Health insurance is something that everybody needs, but something that not everybody can get. You either have to be poor enough to get assistance from the government or wealthy enough to afford private insurance to be covered. If you fall in the middle, you may not be able to afford the cost of health insurance. I think it's something that everyone should have the ability to get, the price of it being reflected on how much the family makes.
It is well known that private insurers are able to reject applicants on the basis of pre-existing conditions. This means that regardless of their income or citizenship status, they can be shut out of the system and allowed to sink deep into debt because they had something on a list. Public systems forbid this kind of discrimination, even if it is costly, and is thus more just. It is inclusive and therefore a better system to have.
I think that forcing people to buy private insurance is unfair, because some people truly may not be able to afford it, and this could ruin them financially. I also do not think it is fair for the government to force a person to buy something. Public insurance should be free.
Individuals with pre-existing conditions or other special circumstances have a very difficult time getting health insurance at any reasonable price, and often cannot get most of their treatments covered. Even for individuals without such conditions, private insurers have often tried to cancel people's insurance once they get sick or denied claims for invalid reasons. For that reason, private insurers cannot be trusted to be a reasonable source of insurance for everyone, and it would be unfair to force people to deal with them.
A federal mandate would just put more financial strain on those who are struggling now. Many people don't have insurance now because they have to choose to do other things with their money like paying rent or buying food. So many do not qualify for food stamps or Medicaid, but still can't buy insurance because they just don't have enough income. Why make things harder on them?
I believe in public healthcare. I think it would be better to have crappy healthcare and long waits than to have crappy healthcare and pay a ton for it. The government kind of owes it to the common man to pay for their healthcare since they are taxing us to death and raising the cost of everything else.
Insurance and health benefits are a major concern at this time. A universal health system doesn't meet and cover each and everyone needs. By allowing individuals more options in the health care field, you can now allow everyone to specialize in what is the best and cost effect for everyone.
Public insurance would be a better option than mandating that individuals buy private insurance. In the United States, under our current privatized health care system, health care costs eat up a very large portion of our GDP, especially when compared to many of the Western European nations. And even worse, our results (such as infant mortality rate) are often worse than our European counterparts who have public insurance.
The current system is economically inefficient. Although in general I would hesitate to push for government involvement in anything, it seems like our current health care system has hit rock bottom in terms of efficiency and so pretty much any change would be an improvement.
Yes, public insurance is a better option. The U.S. spends more on health care, while having worse actual health, than nearly every other industrialized country, specifically because we approach it in a private context. Countries with public health policies serve their citizens much better, and save them money to boot.
By mandating people buy private insurance, the government circumvented the invisible hand of the market place. The difference with this and car insurance, is that one can choose to ride a bike or use public transport instead of driving. One can not choose not to be born or breathe. They have put a tax on living to benefit an elite few. A public option would presumably eliminate the elitist middlemen and benefit mostly the public.
With the way private insurance works in the U.S., people can't get private insurance, unless it's through an employer. Either people are disqualified for stupid reasons, like being female, or having a cold in 1982, or they are charged astronomical and prohibitive premiums of $900 a month. It is not realistic to expect people to have private insurance.
Public insurance, if run correctly, would be much better than mandating that people buy private insurance because public insurance isn't interested in making a profit. High risk individuals, such as those with preexisting conditions, would be gouged to no end by private insurance companies simply because they can. Something as important as health insurance should be run by an entity that has an interest in protecting its people, not in profiting.
We already have the government in a position of setting acceptable charges for procedures in the Medicaid and Medicare context. If there was only one payer, the government, and all the providers were required to accept the payments, costs would go down. The insured would not be subsidizing the uninsured since there would be no uninsured. The government could keep costs down for everyone.
Public insurance is not unconstitutional, but requiring that all Americans partake of it is. As a citizen of this great country, I have the right to choose when, where and how to take care of my own personal health needs. Requiring all citizens to have public insurance is the same as denying them the basic right to freedom of choice.
Our elected officials are much more concerned about getting re-elected than they are about the people they serve. Any program they develop will first and foremost enrich their friends and supporters. We will get the short end of the stick. Our government has been unsuccessful managing its current budget without going into debt by trillions of dollars, and some people want to trust them with more?
Whether or not anyone believes it, if the free market were allowed to operate as a free market, everyone would be better off. Taking all government intrusion out of the insurance market would make the cost of health care for most people more manageable. Putting a public insurance option into the mix would only throw things even further into disarray.
The law is not for making people comply it is there to keep civility. Using law to force people to have insurance goes against our liberty. The government has lost it's way they seem to think they have all the answers. Any system the govet makes will be of privelege and their supporters and donors will get the lions share of the business while putting more restrictions on what one could have as service. This would be an enormous windfall for the drug companies as the could lobby to have their drugs put forward and jack up pricing as the federal government will pay for it. This is also a dangerous step towards a socialist republic (ussr) which will give the govt enormous power and ways to fine individuals for non compliance. This whole healthcare bit is bs. Obama is the worst president just for attempting to make this a reality. Hillary was laughed at for this but Obama gets praise for changing the fundamental structure of this country.