Letters Section Editor: Robert M. Golub,
MD, Senior Editor.
To the Editor: The article by Dr Palmisano
and colleagues1 on expanding insurance through
tax credits appears to be an attempt to save a sinking ship by finding more
buckets instead of doing something to hold back the water. Specifically, the
authors state that "the Achilles heel of individual insurance markets has
been adverse selection." However, when asked, consumers respond that the "Achilles
heel" of their insurance is the high cost of deductibles and the co-payment
provisions2 as well as the high premium
cost. Even with good insurance coverage, the average family can pay thousands
of dollars annually in out-of-pocket medical expenses before the insurance
coverage kicks in. Add to that the co-payment for a major illness, and the
average family can easily face financial ruin.
Reis W. The AMA Health Insurance Proposal. JAMA. 2004;292(10):1173. doi:10.1001/jama.292.10.1173-a