Originally Posted by Raharu Haruha

I propose a government run corporation insurance company that competes to provide health insurance. And, all lower forms of insurance companies that do not provide emergency care are banned.

Basically, I don't want the government to allow insurance companies to say, "We'll pay $5,000, and that's it" and then have some clause for every occasion that might occur which would leave the person who bought the insurance uninsured.

Then I would like the government to provide a minimal service. I would like them to provide health insurance to anyone willing to pay what ever it costs (the cost will be a low as possible). I would expect this to turn a profit, a small one, but enough to run a charity for those who cannot truly pay for their own health insurance because of some problems they have. The insurance will cover the person for minor things like colds and sickness and emergency care. If anything chronic were to come up, the person would have to go through enough health insurance agency.

What this would do is keep people from being under insured, which people often are. And it would not completely destroy an industry. I suspect that quality health insurance agencies would still exist. It would be like the government is setting a bar. I also think it would be much like the mail industry. There's the U.S. Post office, but there's also FedEx, and UPs.