title: You can't buy insurance when the house is on fire. Community rating kills health insurance.
abstract: Why does health insurance cost so much? According to the vice president at the insurance company that pioneered high-deductible health insurance to go with medical savings accounts, a big factor is that insurance companies are being asked to solve social problems. Mr Hartnedy offers a solution to America's healthcare-delivery plight that includes empowerment of individuals and preservation of choice.
authors.affiliation: Golden Rule Insurance Company, Indianapolis.
authors.forename: J A
authors.initials: JA
authors.lastname: Hartnedy
mesh_terms: D000206:Actuarial Analysis; D000328:Adult; D000367:Age Factors; D003669:Deductibles and Coinsurance; D017048:Health Care Costs; D018166:Health Care Reform / Q000191:economics*; D006305:Health Status Indicators; D006801:Humans; D007182:Income; D015273:Insurance Selection Bias; D007348:Insurance, Health / Q000706:statistics & numerical data*; D008875:Middle Aged; D011907:Rate Setting and Review / Q000379:methods*; D012940:Social Problems / Q000191:economics; D012941:Social Responsibility; D013660:Taxes; D014481:United States