The Corner

Health Care Markets

Basically Obama’s plan mandates what’s known in the insurance industry as “guaranteed issue” and “community ratings.” Guaranteed issue means insurers can’t deny coverage to someone who’s already sick and community ratings mean insurers can’t charge more based on risk.

Thus, thanks to Obama’s mandates on the insurance industry no one has any incentive to get into an insurance plan when they’re young and healthy, so insurers can’t make any money off of people in the long-term, and over time Obama’s plan will destroy health care markets. If destroying health care markets is secondary to providing health care as a “right,” Obama should at least be honest that preserving markets is a secondary concern.

One reason to allow the purchase of health care premiums across state lines, as McCain would like to, is because three states already have guaranteed issue and community ratings laws — New York, New Jersey, and Massachusetts — and in those states the cost of health insurance premiums are double the national average.

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