HMOFIX

A FREE-MARKET SOLUTION


TO THE HMO PROBLEM
We as consumers must ask insurers to offer a package deal:
 
HMO or Medical Insurance,
along with
Life and Disability Insurance.
Now, suddenly, the insurer has a direct stake in your health and well-being!  Should you die, or become unable to work, they will have to pay.  A smart insurance company manager will look at his bottom line and decide that, if a more expensive medication might save your life or keep you active, perhaps it's worth spending a bit extra so they don't have to pay out on your policy this year.  Regular check-ups would be encouraged, and anything that might dissuade you from coming in for minor medical attention would be alleviated.  A company that pays attention to such matters will be able to outcompete one who doesn't, and prices will fall.
Unfortunately, there are a few problems with implementing this system, mostly thanks to those who hate the free market...
ARGUMENTS AGAINST

If you have any comments or criticisms about the
idea of bundling insurance policies, please send them to
hmofix@shambala.net.