Robert Laszewski continues his campaign against elements of the House Republican health reform:
For Republicans to sell a high-risk pool scheme in 2014, they would have to convince voters:
- That we need to go backward to the days when insurance companies could deny anyone access to health insurance on account of their health.
- That insurers can make their profits covering only the healthy leaving the sick to go to a government supported pool.
- That the government supported pool will always have coverage and prices as good as a consumer would have otherwise been able to find in the mainstream market –– separate but equal coverage.
History is full of examples of states setting up high-risk pools. They all have one thing in common –– they were never adequately funded. The number of people who had access ended up being capped, premiums were higher, and coverage was restricted. Could high-risk pools theoretically work as well as putting everyone in the mainstream market? Yes. Have they ever? No.
I can’t believe Republicans are even considering this idea in 2014.