Many places in America have shown that the direct delivery of health care, through clinics for example, is significantly less costly.Second, in the economics of insurance, risk should be insured when it is unpredictable, uncertain, and large relative to the administrative costs of insuring it.
Thus, for the uninsured cohort, a larger fraction of downstream deaths are likely to have occurred during periods that the person actually was insured when compared to the fraction of downstream deaths among the insured cohort that occur during subsequent periods of being uninsured.
"We want to help educate Americans more broadly about the idea that while they think they might be insured, when they're diagnosed with something as devastating as cancer their policies may not give them the coverage they need".
Agency officials haven't yet finalized the guidance, but aim to increase the number of reasons people could cite as justifications for not showing they're insured when they file their tax returns.
Robert Hinckley, a spokesman for the governor, said that 400,000 more children were insured today in the state's Child Health Plus program than were insured when Mr. Pataki took office, and that 400,000 more have been on disaster relief Medicaid since Sept. 11, 2001.
If it's available, make sure you buy the more expensive "occurrence" policy, which covers you for accidents at the time they occurred — even if you have since left the business and your policy has lapsed — as opposed to a "claims made" policy, which covers you only if you are insured when the claim is made.
(I was insured when I was self-employed, but that coverage wasn't great).
Depending on how labor is compensated, the cost of sick time may be borne by the employer as reduced productivity, passed to the employee through reduced wages (as in the case of hourly-paid workers), or passed to an insurer (when absence is insured, for example with short-term disability).
