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A comment on Ask HN: If you didn't have to worry about healthcare, would you start a company?. Parent comment

Re:Ask HN: If you didn't have to worry about healthcare, wou... by jhancock on Friday December 04, 2009 @12:27PM (#976744)
The root cause is that only your employer can afford to buy you coverage and also has less risk of getting dropped if they provide coverage for enough people. As an individual, the coverage costs more and your chances of getting dropped is over 50% if you do need care exceeding your premium.
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Re:Ask HN: If you didn't have to worry about healthcare, wou... by smanek on Friday December 04, 2009 @12:46PM (#976816)
The reason the market is so unfriendly to individual purchasers (high cost, possibility of getting dropped, etc) is that the entire industry is built around and optimized for selling to large corporations.
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Re:Ask HN: If you didn't have to worry about healthcare, wou... by pfedor on Friday December 04, 2009 @03:09PM (#977092)
Do you have a source for the 50% number?
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Re:Ask HN: If you didn't have to worry about healthcare, wou... by jhancock on Friday December 04, 2009 @03:31PM (#977124)
Here's a few articles pointing to the number. I assume that an individual buyer faces a higher rate of recission than those in a large group.

http://tauntermedia.com/2009/07/28/unconscionable-math/

http://www.walletpop.com/blog/2009/09/02/think-youve-got-hea...

http://wintershaven.net/2009/08/04/recission/

http://www.nasdaq.com/aspx/company-news-story.aspx?storyid=2...

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