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Does it make sense to pay for gas with car insurance?

Here’s another excellent article on America’s health system. He also offers intriguing reforms which seem to make a lot of sense to me. For a little taste:

The reason for financing at least some of our health care with an insurance system is obvious. We all worry that a serious illness or an accident might one day require urgent, extensive care, imposing an extreme financial burden on us. In this sense, health-care insurance is just like all other forms of insurance—life, property, liability—where the many who face a risk share the cost incurred by the few who actually suffer a loss.

But health insurance is different from every other type of insurance. Health insurance is the primary payment mechanism not just for expenses that are unexpected and large, but fornearly all health-care expenses. We’ve become so used to health insurance that we don’t realize how absurd that is. We can’t imagine paying for gas with our auto-insurance policy, or for our electric bills with our homeowners insurance, but we all assume that our regular checkups and dental cleanings will be covered at least partially by insurance. Most pregnancies are planned, and deliveries are predictable many months in advance, yet they’re financed the same way we finance fixing a car after a wreck—through an insurance claim.

The author, David Goldhill, suggests a variety of ideas to improve our healthcare system but his central focus is to make it consumer-driven. Ricky might be interested to know he describes a system of health savings accounts somewhat similar to the idea he has floated in the past.

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