United States should learn from other health care lessons
The purpose of all types of insurance is to spread risk. The primary determinant of the per capita cost of insurance is a function of the number of participants.
There are health systems in other countries that achieve equal or better results than we do, at significantly lower per capita costs. What these systems share, whether it is a single-payer system such as in Canada and in Great Britain, or a private plan as in Switzerland, is that everyone must participate. That is the only way an affordable quality system can be created.
Other actions such as allowing insurers to offer their policies in several states or increased medical savings accounts may result in penny but never in dollar savings.
Hans G. Reif