To the Editor:
Re “Insurance Company Schemes” (editorial, June 29):
The current individual health insurance market is one in which people decide to purchase coverage only when they think they will need it. Massachusetts has demonstrated that if everyone is required to participate, it is possible to overhaul the market rules and provide consumers greater peace of mind.
Indeed, health plans have proposed guaranteed coverage for pre-existing conditions, discontinuing rating based on a person’s health status or gender, and simplifying health care choices for individuals and small businesses.
In a reformed health care system in which everyone participates, individuals will never again have to worry that they may lose coverage on the basis of their medical history or that the cost of their coverage will soar because others may have misrepresented their health status on an application.
Congress should not let the debate about whether to create a government-run plan impede reform when there is widespread consensus on so many critical issues, including sweeping insurance market reforms, new consumer protections, bringing everyone into the system, strengthening the health care safety net, providing a helping hand to working families and small businesses, and promoting prevention and wellness.
Karen Ignagni
President and Chief Executive
America’s Health Insurance Plans
Washington, June 30, 2009
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