While policymakers and the American public continue to weigh the merits of the Affordable Care Act, commonly called “Obamacare,” there is an aspect of America’s healthcare system that deserves careful consideration. Namely, the inherent conflict between the interests of for-profit health insurance companies and the interests of consumers.
I would argue that the two are fundamentally irreconcilable.
Among other provisions, the Affordable Care Act requires insurance companies to cover individuals with pre-existing conditions such as asthma, diabetes, and cancer. What does this requirement imply?
Before the Affordable Care Act passed, many insurance companies denied coverage to people with pre-existing conditions. Providing coverage to the sick is expensive. As a result, health insurance companies have an incentive to invite only the healthiest people to sign up. The more people that have paid their monthly premiums without filling any significant claims, the more profit the health insurance company collects. The practice of denying sick people coverage may sound immoral, but in the context of a for-profit business it is not surprising. Does it make more financial sense to cover an individual that will cost your company money or deny them coverage? The conflict is clear.
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Perhaps instead of looking at healthcare as a profit-driven enterprise, we should consider it as a communal service. In principle, collective healthcare is no different from social security, national defense, and public education.
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