Private insurance doesn't require '100% participation'. Social insurance does. That's why we, usually, have government perform that function - because they already have the power to force participation in the form of taxes. The only way private companies can provide public insurance is if, as you've suggested, everyone is required to buy in.
ACA is delusional at its heart. People want socialized health care but they want to pretend its not socialism. That fantasy has us diving head first into a middle ground that is truly the worst of both worlds - forced public participation fueling and private profits.
Even if there were no 'Public Insurance' as you call it. Even if we returned to no, zero, government interference, or participation (however you choose to label it) Private insurance is in deep trouble.
Indeed. I've always seen ACA as, first and foremost, and insurance industry bailout. They've oversold a product that can't possibly do what they claimed.
Billy Bob and LaQuan don't want to, and WON'T buy Health Insurance unless they're FORCED to.
It's not just 'Billy Bob', it's anyone with a triple digit IQ. Insurance as a means of financing regular expenses makes no sense. Used in that way, it's just really expensive credit. Intelligent consumers have been coming to the realization that, when it comes to insurance, less is more. The more you can pay out of pocket, and the less you rely on insurance, the better off you'll be. Their efforts to 'divest' from the insurance con-game is exactly why the insurance industry 'conceded' to health care reform. It's easier to lobby government than to change a failing business model.
With that thinking, we are doomed to a Single Payer plan.
And (no insult intended) people like you are the reason why.
Single Payer will solve the Medicare Problem. It will solve the VA problem. It will solve the Cost-Shifting problem.
Problem is -- It SUCKS. Really bad. I mean..... Really bad.
Get used to it. You're gonna be forced into it unless you wake up.
And that is doubtful from what I can gather in your posting.
Again.... No insult intended. You're just not getting it. You seem to mean well but The Road To Hell Is Paved With Good Intentions.
Say hello to Single Payer. You're gonna love it![]()
So, "You just don't get it!!" ... Really? I thought you might have more.
I get it fine, I'm just not accepting your core assumptions. First, you claim that: "For Insurance to work, we have to have mass, near 100% participation". That's simply not true. Second, I reject your implied assumption that, if it were true that insurance can't work without 100% participation, government should be tapped for the remedy.
If current health insurance plans aren't viable, we should stop buying them. If insurance companies can't come up with a product we do want to buy, they should go out of business. In the meantime, let's take 10% of the taxpayer money that Congress is trying to funnel to the insurance industry and actually buy health care for poor people. You can't go hog wild with it, or you risk some of the same problems that we're facing with too much insurance. But it would give a lot more relief to people who need it than corporatist shell games like ACA.