Question
Health Care > Health Insurance > Government Sponsored Health Insurance
Offer income-based health insurance premiums in government-sponsored health plans
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Background
In government-sponsored health plans, the Federal Government would establish guidelines and requirements with respect to benefits, minimum coverage, and premiums. The health plans would however be administered by private health insurance companies.
Income-based health insurance premiums are based on income rather than potential health risks. As a result, low-income high-risk individuals are not priced out of healthcare insurance. On the other hand, low-risk individuals might end up paying more than they would have with risk-adjusted premiums.
The United States is the only industrialized nation that does not provide universal health care.
The government covers a little over one-quarter of the population through healthcare programs for the elderly (Medicare), disabled (Social Security), military service families and veterans (Tricare and VHA), children (SCHIP), and the poor (Medicare). Federal law ensures public access to emergency services regardless of ability to pay. However, this unfunded mandate has contributed to a health care safety net that some analyses say is increasingly strained. Certain types of medical spending and particularly health insurance benefit from significant tax subsidies; in particular, employer-sponsored health insurance is a non-taxable benefit.
see more on Wikipedia
Income-based health insurance premiums are based on income rather than potential health risks. As a result, low-income high-risk individuals are not priced out of healthcare insurance. On the other hand, low-risk individuals might end up paying more than they would have with risk-adjusted premiums.
The United States is the only industrialized nation that does not provide universal health care.
The government covers a little over one-quarter of the population through healthcare programs for the elderly (Medicare), disabled (Social Security), military service families and veterans (Tricare and VHA), children (SCHIP), and the poor (Medicare). Federal law ensures public access to emergency services regardless of ability to pay. However, this unfunded mandate has contributed to a health care safety net that some analyses say is increasingly strained. Certain types of medical spending and particularly health insurance benefit from significant tax subsidies; in particular, employer-sponsored health insurance is a non-taxable benefit.
see more on Wikipedia
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