Health Insurance Reform
Health insurance needs to be reformed to use a new form of health care finance. Moral hazard needs to be removed from health insurance along with those aspects which are currently causing high administrative costs. We have to improve risk classification and refine risk classes. We need to reform how we handle eligibility with high risk pools and re-insurance so insurance will work for those people with pre-existing conditions or are considered uninsurable without inflating costs for everyone else. Insurance needs to be reformed to make it actuarially sound.