What's Insurance Got to Do with It? Recognizing Health Insurance as a Separate Species of Insurance
36 American Journal of Law & Medicine 436 (2010)
16 Pages Posted: 23 Mar 2013
Date Written: October 30, 2009
Health insurance can be, and to a large extent already is, a separate species of insurance. This article describes the different views of insurance that made health reform contentious. It argues that the goals of health reform are incompatible with conventional views of insurance. Nonetheless, reforming health insurance to achieve those goals does not require as dramatic shift as some might think, because health insurance has already become primarily a means of paying for health care, rather than a simple risk spreading device for specified losses.
Keywords: Health insurance, health reform, health law
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