Healthcare Reform

Now that the "swine" flu outbreak is behind us, all attention is pointed towards Healthcare Reform. Most notable experts in the field of Democrat-Republican negotiations say the "single-payer" or "public plan option" is just a negotiating tool the Democrats are using to get the Republicans and as a result the BIG Insurance Companies to lax their underwriting regs to in essence open up their plans to all folks regardless of medical history.

From our standpoint that is what needs to happen. In the U.S. we have no free lunches, but we do need folks with medical conditions to be able to get the same types of plans that the profit machines (the healthy folks) are handed from insurance companies. If giant pools are created with both the sick and the healthy, accuaries are destined to figure out a model where insurance companies can continue to run healthy companies while offering everyone affordable options.

The private system in the U.S. is what makes us both unique and the best in the world, but we need to move towards affordability. If I have Diabetes, Asthma, and am overweight, I need affordable coverage too.