In its zeal to micromanage health insurance contracts, New York has favored solid gold Cadillac coverage for the few who can afford it over basic coverage for the many. Personal Responsibility, Access, and Continuity of Coverage Personal responsibility plays an important part in keeping the health care system affordable. Consumers lacking a meaningful financial interest in their health care decisions tend to make inappropriate or excessive use of services. When people have a stake in the cost of care, they use the system more responsibly and keep costs down for everyone. Everyone should have access to health insurance, along with the opportunity to maintain continuous coverage.
Proper incentives can encourage people to participate in and maintain health insurance coverage.
Those who choose not to provide for their health care needs should be subject to reasonable consequences. Everyone in Indiana, no matter how uninsurable, has access to high-quality health insurance coverage. Coverage is excellent, and rates are capped and heavily subsidized. Roughly 4,000 medically uninsurable persons are presently covered by the program. Meanwhile, the private market functions normally.