This is an additional health insurance idea on which I have some comments.
An Institute of Medicine study estimates that about 40% of premature deaths in this country are due to bad behavior. Only about 10% owe to poor medical care that can be improved.
Social and physical environments contribute 20% and genetics 30% to premature deaths. So why in the world take a chainsaw to remedy what can be done with a small butter knife?
Give people without insurance who cannot afford it free insurance. And see to it that everyone gets insurance despite being currently not insurable?
And put a cap on insurance payoffs by having malpractice reform.
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