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  1. #1
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    Default Legal theory and politics: The HSA

    Does anyone have a rational for requiring an HDHP to qualify for an HSA?

    It would make better sense, from a consumer point of view, to be able to open an HSA account, and eventually obtain an HDHP or other qualifying health care related insurance product, before payment can be disbursed from that account.

    If there is any public sector interference at all, it should only affect the consumer in how that health care capital fund is spent, and not impose a barrier on the accumulation of health care capital.

    Why are there any restrictions on the type of health insurance a consumer can use their capital on? Ideally, any money (health capital) saved by the individual consumer should not have any restrictions on how the money is spent; if it is for health related purposes.

    For example, if I want to purchase any type of health plan, using pretax dollars; I should be able to purchase the most cost effective plan for my current needs. I should not be limited to only specific plans, since market conditions can change over time.

    Public policy could be used to reduce public and private sector costs and improve the infrastructure that can result in better standards of living for the participants of a given market (e.g. healthcare).

    One welfare-state public policy could be to better enable consumer and market friendly financial tools in order to foster more activity in (add liquidity to) the market for health care..

    I think a more appropriate use of public sector interference would be to use the scale economies made possible by its consumer base; to create or expand more public sector research and development capability in the pharmaceutical sector, in order to reduce the cost of basic research and development to the private sector.

    A goal of this type of policy would be to help reduce time to market for the private sector and lower private sector costs in research and development. The private sector can benefit from economies of scale that result from using the product of existing public sector research and development institutions.

    These types of public sector ventures can be used to manufacture forms of public goods; and, in the process reduce costs to both the prublic and private sectors.

  2. #2
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    Default Re: Legal theory and politics: The HSA

    Whatever the public explanation, HSA's were proposed as part of an unstated effort to move healthy individuals out of group plans. Healthy people, in theory, would be enticed to do so by virtue of the fact that they were not likely to require medical services and thus could save the money that they would otherwise expend on high-cost health insurance coverage, while remaining covered for a major medical crisis or emergency. The goals of the proponents aren't served if the accounts become a broadly available way to save money on medical care.

  3. #3
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    Default Re: Legal theory and politics: The HSA

    Thanks for your insight. I was under the impression, that it was about providing the individual consumer (via public policy), with better products, due to increased competition for health care dollars (as a form of providing for the general Welfare of the populace of the United States).

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    Default Re: Legal theory and politics: The HSA

    Health care politics is almost exclusively about money. Bush's opposition to SCHIP expansion, accompanied by his effort to restrict the current program, is not about "free markets" as SCHIP relies on private insurers. It's not about balancing the budget, as even the proposed expansion of SCHIP funding would come from a budget cut to subsidies to insurers who compete with Medicare and not from a tax increase. What's it about? It's part of a fear that the first step in national health care will be to insure all children, and a comprehensive national plan will grow from that as people realize how beneficial that is.

  5. #5
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    Default Re: Legal theory and politics: The HSA

    Quote Quoting Mr. Knowitall
    View Post
    ...
    What's it about? It's part of a fear that the first step in national health care will be to insure all children, and a comprehensive national plan will grow from that as people realize how beneficial that is.
    ....


    Bingo!

    One of your best quotes yet....

  6. #6
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    Default Re: Legal theory and politics: The HSA

    Quote Quoting Mr. Knowitall
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    Health care politics is almost exclusively about money. Bush's opposition to SCHIP expansion, accompanied by his effort to restrict the current program, is not about "free markets" as SCHIP relies on private insurers. It's not about balancing the budget, as even the proposed expansion of SCHIP funding would come from a budget cut to subsidies to insurers who compete with Medicare and not from a tax increase. What's it about? It's part of a fear that the first step in national health care will be to insure all children, and a comprehensive national plan will grow from that as people realize how beneficial that is.
    Are you implying that having better financial tools that may improve the standard of living (a form of providing for the general Welfare of the United States)of US market participants is less important than balancing the budget and providing for the common Offense instead of the specifically enumerated common Defense?

  7. #7
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    Default Re: Legal theory and politics: The HSA

    I am not answering for mrknowitall.

    My opinion is the stakes are too high for politicians to even suggest we dismantle the corrupt greedy system the insurance cartels have manufactured for themselves and actually try to come up with an efficient way to provide basic health care for all persons- especially those persons who cannot afford to see a healthcare provider today.

  8. #8
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    Default Re: Legal theory and politics: The HSA

    Quote Quoting danielpalos
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    Are you implying that having better financial tools that may improve the standard of living (a form of providing for the general Welfare of the United States)of US market participants is less important than balancing the budget and providing for the common Offense instead of the specifically enumerated common Defense?
    Er... Acid trip?

  9. #9
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    Default Re: Legal theory and politics: The HSA

    Daniel,
    This is the United States of American. The land of opportunity (opportunity=make alot of money). It is not about providing for the Common Welfare. You are misinterpreting some of the terminology.

    Like Welfare state public policy. And an at-will unemployment? We go to work to pay our bills. We pay taxes because we don't want to pay the Queen. We try to get ahead and we don't want to pay for someone NOT to go to work.

  10. #10
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    Default Re: Legal theory and politics: The HSA

    Quote Quoting deadlock
    View Post
    I am not answering for mrknowitall.

    My opinion is the stakes are too high for politicians to even suggest we dismantle the corrupt greedy system the insurance cartels have manufactured for themselves and actually try to come up with an efficient way to provide basic health care for all persons- especially those persons who cannot afford to see a healthcare provider today.
    How is increasing competition for health care capital a bad thing? It seems, to me, that all market participants will benefit from lowering barriers to that potential capital.

    This option would have been much easier to implement, if we were running massive surpluses.

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