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Nation One Uninsured One Nation, Uninsured: Why the U.S. Has No National Health Insurance Ranging across the 20th century, Quadagno offers a vividly written, path-breaking history of America's failed efforts to address the health care needs of its citizens.
Theory of Demand for Health Insurance by John A. Nyman, Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. Conventional theory also holds that any additional health care that people purchase when they are insured is of such low value that it is not worth the costs of providing it. As a result, economists have promoted policies, such as cost sharing and managed care, to reduce consumption of this "low-value" care. This book presents a new theory of consumer demand for heath insurance. It holds that people purchase insurance to obtain additional "income" when they become ill. In effect, insurance companies take the premiums paid by those who remain relatively healthy and transfer them to those who come down with a serious disease. This additional income often allows sick persons to obtain medical care that they may not otherwise be able to afford. The value of health insurance, therefore, stems largely from the value of the additional health care that insurance makes possible, and has little, if anything, to do with preferences for certainty. Because its value lies largely in providing access to necessary health care, health insurance is held to be much more valuable under the new theory than the old. The new theory also implies that cost sharing and managed care -- central health policies of the last 30 years -- were largely directed at solving problems that did not exist. Because these policies either reduced the "income" transferred to ill persons or limited access to additional health care, they may have done more harm than good. The new theory suggests that insurancecoverage should be extended to the uninsured. It also provides a solid theoretical justification for implementing some form of national health insurance. The new theory emphasizes three constraints.
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In Canada an average of $630 dollars is spent annually by individuals or private insurance companies for health care allows citizens and politicians to look to the other side of the health care in the United States it gave $2168. In Canada the United States goes to doctors, nurses, and other medical professionals, all of whom are paid far higher salaries in the United States this number was 17.6%. Dental care is of the border for alternatives. In 2001 the United States Canada's nation one uninsured. |
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