Protect the Sick: Health Insurance Reform in One Easy Lesson

By Deborah Stone
Journal of Law, Medicine & Ethics, 2008 Winter;36(4):652-9, 607

In most other nations, insurance for medical care is called sickness insurance, and it covers sick people. In the United States, we have “health insurance,” and its major carriers — commercial insurers, large employers, and increasingly government programs — strive to avoid sick people and cover only the healthy. This perverse logic at the heart of the American health insurance system is the key to reform debates.

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