myversa

Of course, there were no education or health department in the government in most countries.  Governments are really big in this world.
kipposhi 發表於 2010-2-8 14:46

There are countries with no education nor health department in the government?

kipposhi

PARDON ME??

Which part of the US regulation is driving up medicare cost?
快樂牛郎 發表於 2010-2-8 14:27

Simply give you two examples.

1.  People in US cannot buy health insurance across the state border.  The population size for each pool is very limited.  This will increase the premium.

2.  Health insurance plans have to include clinical care.  As the expected claim number increases, the premium will increase too.

They are the fundamental knowledge of insurance.  If you want to know why the above can cause the premium to increase, you can study actuary.

kipposhi

Now you are saying the governments in the world should not have education and healthcare departments.
That only tells us that you are insane.
peter236 發表於 2010-2-8 16:00

This tells me you do not know economics and mathematics.

kipposhi

Now you are saying we should burn more fossil fuels.
okay you have exposed yourself as illogical again.
peter236 發表於 2010-2-8 16:02

If more carbon dioxide can increase the temperature, shouldn't we burn more fossil fuels to counter global cooling?

kipposhi

There are countries with no education nor health department in the government?
myversa 發表於 2010-2-8 16:05

100 years ago, most countries did not have them.  Therefore, the market but not the government determined what were valuable in education and health industries.  Parents were free to choose the schools for their children.

P.S.  When I studied high school in Canada, I already felt the resources wastefulness.  Why do they spend so much time and money teaching that little knowledge?  Some of them are useless.

快樂牛郎

1.  People in US cannot buy health insurance across the state border.  The population size for each pool is very limited.  This will increase the premium.

This is just an adminstration issue.  Insurance companies can sell insurance in other states, as long as they are approved by the regulators.  Almost all physicians have contracts with insurance providers.  Imagine the overhead if you have 60 different insurers selling insurance in one city.  How many different claim systems do you need?  At the end, a doctor would only pick a couple insurers to work with.  This limits your accessibility as a patient.  Consolidations might happen over the long run, leading to a few major players dominating the entire country.  However, this is not what the government wants and I am not sure if it's really good for the consumers.

2.  Health insurance plans have to include clinical care.  As the expected claim number increases, the premium will increase too.

What exactly do you mean by clinical care?  You mean regular office visits and preventive care? It's inpatient stays in hospitals that are driving medical costs up.  You talked about utilizations going up but didn't talk about the cost side.  You could have a lot of office visits but each only costs $100 - $150 where as a hospital stay can cost you $100K.

peter236

If more carbon dioxide can increase the temperature, shouldn't we burn more fossil fuels to counter global cooling?
kipposhi 發表於 2010-2-9 02:27

I wonder why we bother wasting time educating you here. Clearly, your recent posts have showed that you are a LYK that has gone insane.
There are so many harmful gases from fossil fuels. There are all those sulphides, nitrides and all kinds of particulates. But you pretend not to know about it. Just do a google search.

While you advocate privatizing highways, education and healthcare. Why stop at these things? Why not privatize all roads, including smaller city streets? Why not privatize police, firefighters and government departments etc?

myversa

100 years ago, most countries did not have them.  Therefore, the market but not the government determined what were valuable in education and health industries.  Parents were free to choose the scho ...
kipposhi 發表於 2010-2-9 02:37

That only means the direction and policy that school board takes is wrong but it does not mean that a country should not have its school board to govern school policies.  Without school board, teacher can teach whatever they want and there will be no standard.  There will be no size limit for one school and all the people can go to whatever the "good" school and leave "bad" school empty.

kipposhi

This is just an adminstration issue.  Insurance companies can sell insurance in other states, as long as they are approved by the regulators.  Almost all physicians have contracts with insurance providers.  Imagine the overhead if you have 60 different insurers selling insurance in one city.  How many different claim systems do you need?  At the end, a doctor would only pick a couple insurers to work with.  This limits your accessibility as a patient.  Consolidations might happen over the long run, leading to a few major players dominating the entire country.  However, this is not what the government wants and I am not sure if it's really good for the consumers.
快樂牛郎 發表於 2010-2-9 01:57

US citizens are allowed to buy insurance with the state of their residence.  This law is passed by the regulators at federal level.  Selling health insurance across the state border is illegal.  Therefore, this is not the fault of private sector.  (It is like, a BC resident cannot buy health insurance offered from any provinces other than BC.)

What exactly do you mean by clinical care?  You mean regular office visits and preventive care? It's inpatient stays in hospitals that are driving medical costs up.  You talked about utilizations going up but didn't talk about the cost side.  You could have a lot of office visits but each only costs $100 - $150 where as a hospital stay can cost you $100K.
快樂牛郎 發表於 2010-2-9 01:57

Yes, I mean regular office visit.  This is one of the reasons driving the premium up.  The cost of outpatient usually is not high.  But when this kind of service has to be included in health insurance, the premium will go up as the expected claims increase even the insureds do not claim it.  

Inpatient stays in hospital is other issue caused by US federal regulation.

Many laws passed by the government are ridiculous.  Lobbying in US by special interest groups and unions is a very serious problem.

kipposhi

I wonder why we bother wasting time educating you here. Clearly, your recent posts have showed that you are a LYK that has gone insane.
There are so many harmful gases from fossil fuels. There are al ...
peter236 發表於 2010-2-9 02:31

你這個腦殘 Crude oil consists of mainly hydrocarbon.  Do you know of the crude oil composition?  Google it yourself.

I did not say privatizing all highways.  Obviously, you did not read it carefully.

Why should everything be privatized?
1.  Because you don't know the function of government.
2.  Because you don't know mathematics, you may not be able to understand it.