In response to:

Risky Business

Charles Kirtley Wrote: Aug 28, 2012 7:38 AM
Medical care should be like anything else, we get what we pay for, no more, no less. Instead anyone who buys insurance is paying for things they don't necessarily want and for those too irresponsible to care for themselves. Tort reform would be helpful too.

Insurance is all about risk. Yet neither insurance companies nor their policy-holders can do anything about one of the biggest risks -- namely, interference by politicians, to turn insurance into something other than a device to deal with risk.

By passing laws to force insurance companies to cover things that have nothing to do with risk, politicians force up the cost of insurance.

Annual checkups, for example, are known in advance to take place once a year. Foreseeable events are not a risk. Annual checkups are no cheaper when they are covered by an insurance policy. On...