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Who gets to pay for health care?

October 19, 1993



Thank you for the Opinion page article ``Clinton's Health-Care Plan and the Generation Gap,'' Oct. 8. The issue of community rating is of prime concern for me and my peers. Prior to reading this article, I had yet to notice anyone mentioning the idea that one's insurance premiums should be determined according to the degree to which one uses medical care.

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It is commonly known among health-care providers that there are two distinct types of people, those who frequently seek medical assistance and those who do not. It is a grave disservice to those who do not use medical services to be lumped into same average as those who are frequent users.

For example, I am a self-employed woman who has spent less than $2,000 on my health care for the total of my 34 years. Is it a form of freedom to require that I spend more than this each year for a service I will rarely use?

I would like to see consideration given to one's personal health history in projecting future health needs and thereby the cost of insurance. This is, after all, the business of insurance - to determine risk factors into premiums. Marie Shih, Seattle

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