{"id":377,"date":"2010-03-09T08:22:53","date_gmt":"2010-03-09T13:22:53","guid":{"rendered":"http:\/\/dwaynephillips.net\/workingup\/?p=377"},"modified":"2010-03-09T08:22:53","modified_gmt":"2010-03-09T13:22:53","slug":"a-thought-on-health-insurance","status":"publish","type":"post","link":"https:\/\/dwaynephillips.net\/workingup\/2010\/03\/a-thought-on-health-insurance\/","title":{"rendered":"A Thought on Health Insurance"},"content":{"rendered":"<p>by Dwayne Phillips<\/p>\n<p><strong>Just a thought on health insurance from an engineer.<\/strong><\/p>\n<p>I see that President Obama doesn&#8217;t like what existing health insurance companies are doing with their rates and policies. It seems that the president wants health insurance companies to be non-profit and insure everyone regardless of pre-existing conditions.<\/p>\n<p>Health insurance seems to be a pretty simple concept (at least from the perspective of a little-knowing engineer).<\/p>\n<ul>\n<li>A group of people pay into a fund.<\/li>\n<li>When someone is sick, money is pulled from the fund to pay the bill.<\/li>\n<li>If a lot of people become sick in one year, everyone has to pay more into the fund to cover the expenses.<\/li>\n<li>If few people become sick in one year, fewer funds are withdrawn from the fund and people don&#8217;t have to pay as much that year.<\/li>\n<li>There are expenses to managing the fund and collecting the contributions.<\/li>\n<li>A non-profit health insurance group manages the money closely so that money in equals money out.<\/li>\n<li>A good non-profit health insurance group operates efficiently by employing smart, well-meaning people and keeps costs really low.<\/li>\n<\/ul>\n<p>I think it is legal to start such a non-profit health insurance company. A good, efficient non-profit health insurance company would offer better and less expensive services than the existing for-profit companies and people would flock to it.<\/p>\n<p>Perhaps President Obama could start such a non-profit health insurance company himself. At least he could use his position of influence and leadership to inspire others to start such non-profit health insurance companies. Pardon my ignorance, but I think that is what a President of these United States should do &#8211; state his beliefs and inspire others to follow those beliefs.<\/p>\n<p>History shows us that it is incredibly difficult to pass legislation that requires people to be good. There are also many unintended consequences of such laws. Just a thought.<\/p>\n<p>I invite comments on this thought. Perhaps the discussion can lead to someone beneficial.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>by Dwayne Phillips Just a thought on health insurance from an engineer. I see that President Obama doesn&#8217;t like what existing health insurance companies are doing with their rates and policies. It seems that the president wants health insurance companies to be non-profit and insure everyone regardless of pre-existing conditions. Health insurance seems to be [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,33,58],"tags":[151,155,178],"class_list":["post-377","post","type-post","status-publish","format-standard","hentry","category-government","category-health","category-systems","tag-government","tag-health","tag-systems"],"_links":{"self":[{"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/posts\/377","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/comments?post=377"}],"version-history":[{"count":1,"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/posts\/377\/revisions"}],"predecessor-version":[{"id":378,"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/posts\/377\/revisions\/378"}],"wp:attachment":[{"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/media?parent=377"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/categories?post=377"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dwaynephillips.net\/workingup\/wp-json\/wp\/v2\/tags?post=377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}