little Employers traditionally take up the slack for some Many are uninsured What about the uninsured young who can afford insurance? Perception that the benefit is not worth the cost for younger people Nothing will happen to me Someone else will take care of me anyway What are the risks? Accidents Cancer HIV Risk to the individual Not as good care, especially around here Delayed care Saddled with bills that may be hard to discharge in bankruptcy Risk to society Huge cost shift problem Free Riders The policy problem How do we provide care for the uninsured? Do we just ignore them, as the tea party would? Then we have the free rider problem and we get indirect cost shifting The Pre-ACA system Medicare for the old and disabled Mostly federal paid, but with some out of pocket costs
little Employers traditionally take up the slack for some Many are uninsured What about the uninsured young who can afford insurance? Perception that the benefit is not worth the cost for younger people Nothing will happen to me Someone else will take care of me anyway What are the risks? Accidents Cancer HIV Risk to the individual Not as good care, especially around here Delayed care Saddled with bills that may be hard to discharge in bankruptcy Risk to society Huge cost shift problem Free Riders The policy problem How do we provide care for the uninsured? Do we just ignore them, as the tea party would? Then we have the free rider problem and we get indirect cost shifting The Pre-ACA system Medicare for the old and disabled Mostly federal paid, but with some out of pocket costs
health-Insurance-notes.docx