Good time to bug your MP

[speling bee]

Well fielded

's true. Only robby and hacky are thick enough for me to kick about.

[Robinho]

These are expensive patients and you lump their costs onto customers who choose the same provider that they choose.

See if you can work it out.

Work what out? Their costs go up. What is your point?

[speling bee]

Work what out? Their costs go up. What is your point?

Work out why it's a bad idea. Why should the costs of people with life long congenital conditions be met by individuals who choose the same provider that they choose? What is the logic in that?

[Robinho]

Work out why it's a bad idea. Why should the costs of people with life long congenital conditions be met by individuals who choose the same provider that they choose? What is the logic in that?

Well i'm sorry i simply don't think like you do on this subject. I feel there is a moral obligation to look after people who are born with a problem that they couldn't prevent. However i believe people should bear the costs of the problems they bring upon themselves through poor lifestyle choices.

[speling bee]

Well i'm sorry i simply don't think like you do on this subject. I feel there is a moral obligation to look after people who are born with a problem that they couldn't prevent. However i believe people should bear the costs of the problems they bring upon themselves through poor lifestyle choices.

So why do you put the costs on individuals who happen to have the same provider? Why not distribute it evenly via a Health Insurance tax?

[Robinho]

So why do you put the costs on individuals who happen to have the same provider? Why not distribute it evenly via a Health Insurance tax?

It is extremely unlikely to make any statistical difference doing it that way.

[mudskipper]

Well i'm sorry i simply don't think like you do on this subject. I feel there is a moral obligation to look after people who are born with a problem that they couldn't prevent. However i believe people should bear the costs of the problems they bring upon themselves through poor lifestyle choices.

What if their condition is caused by their parents' choices? e.g. Foetal Alcohol Syndrome? Or childhood asthma if both parents smoke?

[speling bee]

It is extremely unlikely to make any statistical difference doing it that way.

It will distribute costs more evenly because otherwise some insurers will avoid taking on expensive clients with congenital problems.

[Robinho]

It will distribute costs more evenly because otherwise some insurers will avoid taking on expensive clients with congenital problems.

But regulations will be in place to stop them doing that remember.

Never the less, it is still a statistical insignificance.

[speling bee]

But regulations will be in place to stop them doing that remember.

Never the less, it is still a statistic insignificance.

No. Your regulations will stop insurers from discriminating against individuals. Insurers will find their own was to discriminate by targeting certain products to certain markets, such as professions and employers that will have a significantly lower proportion of individuals with congenital conditions. This will disproportionately push costs onto individuals not eligible for these products.

Why not a simple health Insurance tax?