So, why not let people pay "by the child" rather than "family"? That would be an incentive to use contraception.
Overall, that is what insurance is about: making a group diverse enough to keep the overall fiscal soundness. That's why Obamacare HAS to have a universal compliance mandate once they mandated that ALL pre-existing conditions would be covered. And there was NO WAY you can have the funds to do that unless you compel everyone to be part of the "group".
Obviously that is why Medicare and Medicaid have problems ... the group is not diverse enough to cover expenses from premiums collected. The govt then has to kick in. Watch the "state exchanges" take a real hosing, with premiums gradually increasing. And those whose income is low enough will be subsidized.
There just isn't any way around this: If hospitals give care free to those who can't pay, they charge more to those who DO pay to make up for their losses. If the govt mandates that everyone be covered, this is great for hospitals and doctors ... no more freebies. However, SOMEbody WILL pay. The govt only has the $ it gets from those who pay taxes (or fines or penalties).
And, yet, for those who figure the penalty is cheaper than the health insurance, if they get sick the hospitals and doctors will still treat them. Hospitals even give expensive care like dialysis to illegal residents. Those who DO pay will STILL be paying for those who do NOT pay.
It's really just a shell game that makes for good rhetoric on a campaign trail.
"Know in your heart that all things are possible. We couldn't conceive of a miracle if none ever happened." -Libby Fudim
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Any doctrine that weakens personal responsibility for judgment and for action helps create the attitudes that welcome and support the totalitarian state.
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Gig'em Aggies!! BTCO'77HOO t.u.!!
"I'm gonna lean up against you, and you lean up against me. That way we don't hafta sleep with our heads in the mud"Forrest Gump, 1994
It's funny...I pay more per month for my TV, land line,and internet sevice then I do for elec. and gas combined. JD
One cannot reason someone out of something they were not reasoned into. - Jonathan Swift
"For everyone to whom much is given, of him shall much be required." -- Luke 12:48
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