Problems We Will Face

  • There always will be neglect and irresponsible individuals opting out of the system. If at the time of their health failure, out of compassion, they would receive the same care as people contributing to the system, then we will encourage more individuals to act irresponsibly.
  • Life-cycle health risk insurance would resolve the hot-button issue of pre-existing conditions. However, being in its essence catastrophic insurance, it would leave as an issue the pay structure for minor chronic illnesses, those that would not trigger life cycle health insurance, but still could be an unbearable burden to a person of moderate means.

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