Around 12 years ago, when we lived in Houston, we were out to dinner with some friends.
Over the course of dinner, we had a lively and interesting discussion about healthcare. Talk of health insurance was all over the national media, and as many of our friends are health professionals, there were a lot of opinions.
I can’t remember exactly how the conversation went, but at some point, our one friend Mike (not his real name) said that he was firmly and adamantly against universal healthcare.
Mike went on to say that healthcare premiums should be based on the person’s health status… that healthy people should pay less than “unhealthy” people.
His perspective was that healthy people aren’t a huge burden to the system, and therefore shouldn’t have to pay as much as their sicker counterparts.
Mike also felt that incentivizing healthcare by offering lower premiums to those who are healthy would encourage everyone to do things like exercise, avoid excessive drinking, smoking, etc.
Our other friend James (not his real name either) was in complete disagreement with Mike.
James argued that it would be unfair to expect the sickest people to pay the highest insurance premiums. After all, these individuals are also most likely to be too sick to work or generate income.
Listening to Mike and James go back and forth was interesting and thought-provoking. I realized then that there were good points to be made for both.
I would love for you all to share your perspectives on this topic. There are no right or wrong answers! :)
Are you Team Mike or Team James?