Empower Workers to Choose Their Own Health Insurance Carriers

Question: How should health insurance be reformed?

 

Regina Herzlinger: When Harvard University, my brilliant employer, buys health insurance on my behalf, I have zero input into their decision about how they are going to spend my money. I want to have a 100% input into that decision. And there are lots of people who feel the same as I do.

Now, if they want to stay with their employers, and have them by their health insurance for them, fine. As for me, give me back my money. Give it to me in the same way that Harvard University can use that money, which is tax free, require me to buy health insurance, let me go to work on that system. Tens of millions of people like me are going to have the profound impact on health care. That's consumer-driven health care.

Business involvement in health care should be limited to providing better and more efficient ways of delivering health care, not to act as agents for consumers.

I don't want my employer to buy my clothes. I don't want them to buy my food. I don't want them to buy my car. I don't want them to buy my house. Not that they're stupid. But they don't know what I consider value for money. I want them out of the health insurance purchase decision.

 

Recorded on: May 27, 2009.

 

Regina Herzlinger scoffs at companies making medical decisions for their employees

Related Articles

Scientists discover what caused the worst mass extinction ever

How a cataclysm worse than what killed the dinosaurs destroyed 90 percent of all life on Earth.

Credit: Ron Miller
Surprising Science

While the demise of the dinosaurs gets more attention as far as mass extinctions go, an even more disastrous event called "the Great Dying” or the “End-Permian Extinction” happened on Earth prior to that. Now scientists discovered how this cataclysm, which took place about 250 million years ago, managed to kill off more than 90 percent of all life on the planet.

Keep reading Show less

Why we're so self-critical of ourselves after meeting someone new

A new study discovers the “liking gap” — the difference between how we view others we’re meeting for the first time, and the way we think they’re seeing us.

New acquaintances probably like you more than you think. (Photo by Simone Joyner/Getty Images)
Surprising Science

We tend to be defensive socially. When we meet new people, we’re often concerned with how we’re coming off. Our anxiety causes us to be so concerned with the impression we’re creating that we fail to notice that the same is true of the other person as well. A new study led by Erica J. Boothby, published on September 5 in Psychological Science, reveals how people tend to like us more in first encounters than we’d ever suspect.

Keep reading Show less

NASA launches ICESat-2 into orbit to track ice changes in Antarctica and Greenland

Using advanced laser technology, scientists at NASA will track global changes in ice with greater accuracy.

Firing three pairs of laser beams 10,000 times per second, the ICESat-2 satellite will measure how long it takes for faint reflections to bounce back from ground and sea ice, allowing scientists to measure the thickness, elevation and extent of global ice
popular

Leaving from Vandenberg Air Force base in California this coming Saturday, at 8:46 a.m. ET, the Ice, Cloud, and Land Elevation Satellite-2 — or, the "ICESat-2" — is perched atop a United Launch Alliance Delta II rocket, and when it assumes its orbit, it will study ice layers at Earth's poles, using its only payload, the Advance Topographic Laser Altimeter System (ATLAS).

Keep reading Show less