PolicyGuy

Wednesday, April 27, 2005


Health: A New Blog for Insurance Policy.
One great thing about blog publishing: it's an easy way for people to offer information and analysis on the most specialized of topics, including individual health insurance. While most people rely on group coverage, individual decision-making in insurance won't be so esoteric for much longer.

Increasingly, families and individuals will make their own decisions on health care, and health insurance, and rely less on the choice of employers. We've seen that move towards consumer freedom and responsibility in retirement planning, with the move from defined benefit pension plans to defined contribution 401(k)s and IRAs.

Coming up: consumer-directed health care, in people take a more active role in selecting health insurance policies and making treatment plans. One avenue for that direction is the advent of health savings accounts (HSAs). The Individual Health Insurance blog is fairly new, and so far focuses on providing links to news reports dealing with the rollout of HSAs.

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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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