Document Type
Book Chapter
Publication
Oxford University Press
Year
2016
Citation Information
Govind Persad and Harald Schmidt, Sufficiency, Comprehensiveness of Healthcare Coverage and Cost-sharing Arrangements in the Realpolitik of Health Policy, 1 (2016), available at https://scholar.law.colorado.edu/faculty-articles/1981.
Abstract
This chapter explores two questions in detail: How should we determine the threshold for costs that individuals are asked to bear through insurance premiums or care-related out-of-pocket costs, including user fees and copayments? and What is an adequate relationship between costs and benefits? This chapter argues that preventing impoverishment is a morally more urgent priority than protecting households against income fluctuations, and that many health insurance plans may not adequately protect individuals from health care costs that threaten to drop their financial status below a decent minimum. A design that places greater emphasis on preventing impoverishment and finances the achievement of that goal by reducing unnecessary subsidies to better-off households would better accord with a sufficientarian approach to health care.