The healing of America

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…emiums on healthcare, and some insurers pay less than that. In France, Germany, and Japan, private non-profit insurers spend over 95% of premiums on healthcare. (Source: The Healing of America by T.R. Reid) One expense for U.S. insurers is medical underwriting - the army of people they employ to find reasons to deny you coverage. The reason they have to do this is that their competitors are doing it. Anyone who provides better coverage at a good price will be swarmed by sick people and go out of business, so they are in an arms race to provide the worst coverage they can get away with. Level the playing field by, eg., requiring coverage of pre-existing conditions (as the countries I mentioned do) and this arms race goes away.