> Judah wrote: > side. Perhaps you meant that you would like a system where routine > charges are not subject to the claims process and only high dollar > (i.e. catastrophic) claims go through adjudication. >
Yup, that's basically what I meant, but the plan I want isn't available. i wouldn't want coverage to start until a claim was above $50k and I'd want premium discounts for a healthy lifestyle, etc. If they did that, they could track my behavior via my HSA spend and determine my premium level. (btw, not all visits are claims - every bit of doctor work I've had done for the last 5 years has been 'off the grid') To toss out some data, something like 70 cents of every healthcare dollar goes to treat chronic diseases and something like 1 out of 3 people are obese. Luckily I'm not obese and I don't have a chronic disease so my plan should reflect my profile. This is where I'd LOVE to disconnect my coverage from my employer - I want (and should) be in the plan that reflects lower risk as judged by behavior. I'm all for healthcare reform, but I'd be lying if I said it didn't bug me that I'm going to have to pay my premiums and the rest of America's too, many of whom won't be choosing a healthy lifestyle. Therefore I'd much rather see the funding from: * Alcohol, tobacco, and junk food sales tax * Tax on skate boards, teenagers, and other dangerous objects * other stuff that makes people file claims. WARNING - CONTROVERSIAL COMMENT TO FOLLOW - do not read if you're prone to offense and overreaction Or maybe people that receive free health care on the paying American's nickel could send a nice hand written thank you note? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Want to reach the ColdFusion community with something they want? Let them know on the House of Fusion mailing lists Archive: http://www.houseoffusion.com/groups/cf-community/message.cfm/messageid:300459 Subscription: http://www.houseoffusion.com/groups/cf-community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=11502.10531.5
