RK>
MSGID: 1:3603/570.0 1bc72f82
 -=> Quoting Matt Smith to Kurt Ullman <=-
 MS> For all the liberals' gripes about MSAs, they're just another form
 MS> of partial self-insurance...like getting your car's comprehensive 
 MS> a larger deductible in order to get cheaper premiums.
RK>Wrong again! MSA's were vetoed because studies showed that the affluent
RK>would be taking advantage of them, further reducing the Mcare pool to o
RK>the poor. The idea of insurance is that a broad pool will take care of
RK>those who need help.
	Find me just one. I have looked and looked and looked and looked and
have not been able to find a study that says that in Health Affairs or the 
Millbank Quarterly or any other major publication that deals with the 
economics of healthcare.  I have found quite a few PEOPLE spouting that, but 
never in the context of a study.  The 1-2 real time expirements that I am 
familiar with (because I work in one of them and have access to information 
on the other one) haven't seen this yet.  Two major 
problems (1). REAL small sample (2). REAL small timeframe.  
	BTW: I have a few studies from 5 and 10 years ago screetching about
*HMOs* will soon be populated by only the well and will leave the poor little 
sick person to rot in fee-for-service.  Sounds like deja vu all over again.
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 * PW * Hey!!! Who took the cork out of my lunch?
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