Employees Start to Feel the Squeeze of High-Deductible Health Plans

Re:Employees Start to Feel the Squeeze of High-Deductible He... by Domenic_S on Saturday May 04, 2019 @04:29AM (#19825199)

We probably have different ideas of "paying what you can". How do you judge whether someone is only paying what they can, or they are taking advantage? Not a rhetorical question.

One way is like we do today -- highly-paid positions often come with high-quality insurance, which is (ime) fairly expensive and low-paid positions have less expensive insurance that is a bit worse (all this on average, I'm sure there are outliers).

We are in different pools today but I don't see how that's meaningfully different than everyone being in one pool if the individual pools are large enough and you can't discriminate the population of the pools.

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Re:Employees Start to Feel the Squeeze of High-Deductible He... by mikeash on Saturday May 04, 2019 @10:16AM (#19826583)

There are cases where it’s hard to tell if someone is truly paying what they can, but there are also cases where it’s easy: when it costs more than they can pay. Health insurance trivially fails the “paying what you can” criterion for sufficiently poor people.

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