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PaperclipPerfector  4mo ago (text post)   2887 thread views

Small-Scale Question Sunday for December 8, 2024

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Re: United Health CEO, I feel that I'm among the extreme minority of the population that thinks it's bad to celebrate political assassinations and also that it is a social good for companies to offer insurance in the US. I am astounded by how relatively unprofitable being an insurance company is and also why anyone would go into this industry and put up with the abuse and general scorn.

Imagine being at a party and saying you work at a health insurance company. Total hatred from almost everyone.

It's amazing that people do this at all?

I agree with your opinions regarding violence. However I think the issue with insurance is when it becomes mandatory or defacto mandatory, because then you lose proper economic controls on the price via supply and demand. Demand for car insurance is artificially inflated by it being literally illegal to drive a vehicle without it. Demand for health insurance is artificially inflated by regulations requiring companies to provide it to employees, and tax penalties for private individuals who don't have any. Therefore, prices artificially inflate. (Similarly, healthcare prices are artificially inflated by regulations requiring severely limited-supply medical degrees).

Now, these regulations exist for reasons, but that doesn't undo the economic damage this causes to people. And then all the perverse incentives with their battles against healthcare providers and customers creates tons of paperwork and principal agent problems. I am wholeheartedly convinced that the existence of insurance companies and their role in our society is uniquely responsible for healthcare prices in the U.S. Now, this isn't necessarily the fault of the CEOs, it's really the politicians who created this niche, but I definitely understand the anger people have for them.

Theoretically insurance could be a useful and legitimate service. But that requires it be voluntary so that people can choose of their own free will whether they think it's worth the cost or not, which in turn forces companies to provide a product worth paying for. Just like with every other good and service. The current system is extortion with extra steps.

I am wholeheartedly convinced that the existence of insurance companies and their role in our society is uniquely responsible for healthcare prices in the U.S. Now, this isn't necessarily the fault of the CEOs, it's really the politicians who created this niche, but I definitely understand the anger people have for them.

That scans. Private insurance is actually aligned with medical care becoming an ever bigger proportion of GDP. They want premiums to go up, so long as they all go up at the same time.

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