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Health Insurance & Risk

We've talked a lot lately about ignorance towards risk, or the discounting of sound risk-management.  Arnold Kling, writes for Tech Central Station that one problem with the health-insurance market is that people simply don't want to pay for it:

...What we are left with, then, is that people do not want real health insurance. I would gladly take a health insurance policy with a $10,000 deductible per individual, and I suspect that many of my wise, risk-averse TCS readers would, too. But we are in a tiny minority! Most people do not want to be responsible for the first $10,000 in medical expenses, and most people believe that an insurance policy that is expected to pay no claims 95 percent of the time is a bad deal.

I am willing to claim that no insurance market in history ever arose because of spontaneous demand on the part of consumers. Maritime insurance, which was one of the first forms of insurance, was demanded by creditors as a condition for lending money to shippers. Life insurance also initially arose to meet the needs of creditors who were lending money to pensioners.

Kling argues that the best solution to our health care problems is for the government to demand that everyone buy catastrophe (high-deductable) insurance, an odd idea, but one which The Stalwart finds compelling.

The fact is is that insurance should cover the rare not the expected, else it ceases to be insurance.  When someone calls the Social Security program a form of insurance for the elderly and retired, it's nonsense since every single worker in America will one day be old and retired.  Even life insurance doesn't insure against death, merely unexpected death.

As usual, read the whole thing.

December 17, 2005 in Healthcare |

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  • The Stalwart is a blog written by Joseph Weisenthal, covering such topics as stocks, business, economics, politics, technology, gambling, chess, poker, economics, current events, music, math, Chinese food, science, randomness, kurtosis, sports, evolutionary fitness, and anything else of the author's choosing. The words contained herein are the author's own, not affiliated with any other firm or employer.

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