PolicyGuy

Thursday, September 30, 2004


Destroying the Market for Individual Health Insurance.
One way to promote government-run health insurance is to destroy the market for individual insurance, complain that there is no place for people to go, and then offer a government program as a solution.

That cynical ploy may or may not have actually been executed, but things have played out as if that was the case in several states. I've already written about this topic in Maine.

Conrad F. Meier offers an updated and extended examination of the situation in Maine. In addition, he discusses 7 other states in which the market for individual insurance has all but disappeared to a combination of factors, including various forms of regulation.

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"Justice Louis D. Brandeis'?s metaphor of the states as "laboratories" for policy experiments ... had almost nothing to do with federalism and everything to do with his commitment to scientific socialism. .... To this day, it continues to inhibit a truly experimental, federalist politics." -- Michael S. Greve

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