POLICY: Individual insurance market . . . . . still sucks

There’s a new CMWF study on the individual insurance market. I won’t belabor the point as I’ve done many times before. Less than 7% of Americans are in it, and just because I’m one of them is no real reason to point out that it’s a market that doesn’t work for anyone who needs it, and is somewhere between 30-50% more expensive than the group market.

The study makes those points and more.

The individual market currently is quite small, covering approximately 17 million nonelderly Americans, or about 6.7 percent of the population. This market historically has not worked well for many people seeking coverage, in particular for those who need coverage the most. Policies frequently have been unavailable to people with existing health conditions; premiums have been expensive and usually have risen faster than group insurance rates; and benefits have generally been far more limited than those in group policies.

And yet the current national policy is to drive everyone into it.

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Americans’ Future In One Plan I know that most of you are busy to read my book. As I explained previously that Taman Health Plan (www.trafford.com) takes care of all the health care, Medicare, Medicaid and social security. It will threw away all bureaucracies out of window. Let me explain shortly how it works: 1- There will be no more health care insurance companies, no Medicare, Medicaid or Social Security. My plan will take care of all. 2- Basically will be only one Big Health care organization (Taman Health Plan or THP). 3- The center of the plan will be… Read more »