Health Insurance Reforms: Unintended Consequences
The Hastings Center Bioethics Forum, Forthcoming
2 Pages Posted: 14 Feb 2010 Last revised: 6 Nov 2012
Date Written: February 11, 2010
With comprehensive health reform stalled, there is growing pressure to enact more modest health insurance reforms. These efforts have an understandable practical and political appeal. Denials of coverage, cancellations of policies, preexisting condition exclusions, lifetime caps on benefits, and other practices have the effect of denying coverage to many individuals who need health insurance. Legislation prohibiting these practices is a seemingly easy way to fix obvious injustices without tackling the entire range of contentious issues. Unfortunately, enacting “health insurance reform” is likely to lead to severe unintended consequences.
Keywords: Health reform, health insurance, individual health insurance, group health insurance, health legislation, access to health care
JEL Classification: K31, K32
Suggested Citation: Suggested Citation