←back to thread

142 points helloworld | 1 comments | | HN request time: 0.263s | source
Show context
seibelj ◴[] No.12306806[source]
Can anyone succinctly explain the benefits of having a market for private health insurance companies, rather than a single provider of health insurance (government, aka "public option")? Can a capitalist case be made for their existence? Does the lack of a large private insurance market in countries with government-provided health insurance cause lots of inefficiencies and waste?
replies(35): >>12306825 #>>12306846 #>>12306849 #>>12306865 #>>12306883 #>>12306896 #>>12306906 #>>12306909 #>>12306920 #>>12306921 #>>12306948 #>>12306954 #>>12306958 #>>12306977 #>>12306983 #>>12307038 #>>12307105 #>>12307152 #>>12307153 #>>12307306 #>>12307335 #>>12307342 #>>12307397 #>>12307504 #>>12307572 #>>12307975 #>>12308036 #>>12308110 #>>12308127 #>>12308342 #>>12308357 #>>12308931 #>>12309015 #>>12309142 #>>12309820 #
ChuckMcM ◴[] No.12306954[source]
In theory? As I understand it ...

A market allows for innovators to find ways to deliver better service for less money and thus offer a more competitive product and gain market share. This competition forces all players to improve, or be forced from the market.

A publicly owned and operated business has no incentive to improve its operational efficiency and little to no incentive to respond to complaints in service.

In the US we have two examples of public insurance providers Medicare and the Veterans Administration (VA).

What we haven't tried as far as I can tell is to apply regulatory pressure with marketing forces. So for example if we made it illegal for pharmaceutical companies from preventing generics to be sold or marketed. If we required by regulation that all facilities publish their costs, and to whom those costs were paid, for every procedure. If we required that all medical procedure costs and options at every facility had to be made available at a publicly searchable database. Etc. It might help in making the market more efficient.

replies(4): >>12307045 #>>12307155 #>>12307698 #>>12308354 #
1. st3v3r ◴[] No.12308354[source]
This meme that private businesses are always better than government because of market incentives has been proven false time and time again. Cities starting municipal broadband services are far, far better than the private businesses that should have been more efficient and more innovative, should your meme hold true.