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Everyone talks about reforming health insurance while ignoring a better alternative: healthcare risk pools. Powerful lobbyists for the healthcare insurance industry have convinced politicians to perpetuate the current system of health insurance, hoping that minor tweaks will solve the escalating crisis. Conservative think tanks have even bought into the system due to heavy funding by insurance companies.
Risk pools allow people to buy into health plans of their choosing instead of obtaining health insurance coverage through employers. Health insurance is not a free market creation. It came into existence as the result of President Franklin D. Roosevelt’s socialist policies. Roosevelt mandated income caps during World War II, which caused employers to offer health insurance in order to keep jobs attractive. Now the government requires businesses to provide health coverage to employees, giving insurance companies a monopoly on healthcare coverage and ensuring their existence. Continue reading