Hey, I'll throw out something and see how it flies.
If in the typical business model, the customer defines quality, defines price points, defines features, etc., then the question begs to be asked, why is our health insurance system so screwed up?
I had a thought. Maybe it's because the insured is not the customer. As it turns out, for the most part, they aren't the customer. In fact, if you follow the money, the insured is nothing more than an expense, a cost of doing business.
Again, if you follow the money, who represents the revenue of the equation? It's the employer!
The insurance company contracts with the employer. They are the one who the policy is issued to. If you don't believe me, look at your insurance card. You have a member number, but it's tied to the policy that the employer bought. You are just an expense that needs to be controlled.
How do you change it? Get rid of employer based insurance and turn it back over to the individual. The they become the customer. They define the cost points, the quality, the features of their health plan.
It would take some work to figure it out, but why do we need the government to get in the middle? Other than taxes, what do they bring to the table?
Think about it.
Dinny
