Ana Wilde Mathews of the Wall Street Journal has suggested an answer. Ms. Mathews notes that employers are asking workers to cover more of the costs of covering their entire families. As a result, more working parents with employer-based health benefits are finding that individual coverage is better for their kids.
So, actual consumer behaviour is debunking President Obama’s assertion that individual coverage is three times more expensive than group coverage. It also makes Speaker Pelosi’s excitement about a federal “slacker” mandate, to keep kids on their parents’ plans until they reach 26 (!) increasingly irrelevent.
Furthermore, consumer behaviour is demonstrating that the employer-based group market for health insurance is breaking down. Rather than plastering over its cracks with so-called “public options,” “co-ops,” “gateways,” or whatever else they want to call them, it’s time to give every American the freedom to seek health insurance outside his employer’s control.