John Goodman had a great post on his policy blog describing the three types of care and how each should be insured differently (if at all). Check it out here.
This is related to my post defining what health insurance should really cover and why costs are going up so much. Not all health events are the same. A child getting a routine cold is different than a 50 year old female getting breast cancer. Both the response and the payment strategies should be different. If we use a one-size-fits-all approach, costs will continue to rise.
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