The Suitability of Mandated Insurance for Health Coverage: Why Car is Not Like Care

4 Pages Posted: 11 Sep 2009

See all articles by Barbara Pfeffer Billauer

Barbara Pfeffer Billauer

Institute of World Politics; International Program in Bioethics, U. of Porto; Foundation for Law and Science Centers, Inc.

Date Written: September 9, 2009

Abstract

In the course developing a Health Care Reform package, some have advocated a provision for legally required and universal coverage as part of the solution, citing the mechanism of required automobile liability coverage as a basis. The proffered rationale for this provision is the ostensible lowered costs which surely would result, enabling insurance companies to charge lower rates, while still retaining respectable profit margins. This article demonstrates that inapplicability of the automobile liability paradigm as a model for addressing the health care problem. It also suggests that other than for catastrophic injury or disease or unexpected health costs, universal coverage cannot address the problems of universal health care.

Keywords: health coverage, health care, health reform, health insurance, universal coverage, unniversal care, health care reform, universal health

JEL Classification: L33, L32, L11, K00, K23, K33, I18, I12, I11, H51, H43,H42, H41, G28, G22, E64,E61, D63,, D45

Suggested Citation

Billauer, Barbara P., The Suitability of Mandated Insurance for Health Coverage: Why Car is Not Like Care (September 9, 2009). Available at SSRN: https://ssrn.com/abstract=1470852 or http://dx.doi.org/10.2139/ssrn.1470852

Barbara P. Billauer (Contact Author)

Institute of World Politics ( email )

1521 16th St NW,
Washington, DC
United States
+1 202-462-2101 (Phone)

International Program in Bioethics, U. of Porto ( email )

Rua Dr. Roberto Frias
4200-464 Porto
Portugal

Foundation for Law and Science Centers, Inc. ( email )

1020 16th Street NW
Suite LL1
Washington, DC 20036
United States
972 54 344 6055 (Phone)

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