Thursday, January 1, 2009

Will Nationalized Health Insurance Eliminate other Insurance?

Wade Coye, Attorney
Any discussion of universal healthcare necessarily requires inquiry into the types of insurance that already provide some level of care for a person's health. For instance, many people access healthcare through health insurance that is paid for by tax dollars already: federal, state, and local employees, medicaid, medicare, federal workers compensation, and military benefits such as veterans benefits. In the private sector people receive health care from individual and employer sponsored group health benefits, workers compensation policies, auto no-fault policies and other accidental and health policies. Some of these policies pay based upon specific conditions and some pay for health care no matter the situation.

All of the above pay for much of the care that is obtained in this country and is necessarily something which bears significant consideration in a discussion of so-called universal healthcare.  Each of the above has overlapping and duplicate coverages for some, and for others is the sole financial resource to obtain healthcare.  The funding for the different types of coverages are paid for by a combination of state and federal regulatory frameworks, compensation plans, and tort liability. No discussion in the national media has completely reviewed these issues or the likely effect that universal healthcare will have on the existing means of obtaining medical treatment.

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