An individual is interested in health care for the length of his or her life, not in yearly health insurance contracts. Hence, any workable solution needs to offer lifespan coverage.
An individual is mostly concerned about major health failures. Hence, any workable solution needs to focus on catastrophic coverage.
Young and healthy people tend to not buy health insurance. However, without their contributions no health insurance system can work. Hence, a workable solution needs to have provisions such that a majority of young and healthy Americans would buy health insurance of their own free will.
Only after addressing the above issues, we can implement the free market mechanisms suggested in many proposals presented by opponents of the public option. In particular:
Individual ownership of insurance policies. There is no reason that health insurance should be chosen and paid for by an employer.
The freedom to buy health insurance across the state borders.
Curbing frivolous lawsuits by reforming tort liability laws.
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