A kind of familial moral hazard kicks in, as people fear their children will no longer look after them if they are insured.Care costs are so hard to predict that insurers tend to protect themselves with big premiums, making insurance unaffordable.
The challenge for lawmakers is this: How do you get insurers to cover people who will definitely need costly medical care — and do so without making insurance too expensive for everyone?
Instead, the Republicans focus on making insurance more affordable.
But raising premiums and making insurance mandatory are both unpopular.
So, these are problems that have inhibited making insurance work.
Simply making insurance available to everyone won't suffice.
Which is making insurance more affordable for consumers.
That is the best chance of covering the maximum numbers of Americans and making insurance affordable.
Along with restricting access to care (eg, making insurance and treatments unaffordable for pa- However, several caveats apply.
But making insurance work as an institution, to actually protect people against risk, is rather difficult to achieve.
Republicans, meanwhile, have shown no interest in making insurance choice part of a compromise they could accept.
