I believe that "Tonik" as referenced in P6's posting is one of the futuristic models.
Health care will be divided into:
1. Routine stuff which you pay for yourself. This includes childbirth and, for example, most end of life cancers, diabetic care, pretty much anything predictable.
2. Expensive, but unpredictable things which you buy insurance to cover. (for example, Tonik).
3. Welfare coverage for people who can't afford some required service.
The important change is the rise in that category 1. Employers may manage some kind of tax advantaged individual medical fund which is largely supplied by the employee (with the difference being paid to healthy employees as taxable income, and unhealty employees becoming more personally responsible).
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I believe that "Tonik" as referenced in P6's posting is one of the futuristic models.
Health care will be divided into:
1. Routine stuff which you pay for yourself. This includes childbirth and, for example, most end of life cancers, diabetic care, pretty much anything predictable.
2. Expensive, but unpredictable things which you buy insurance to cover. (for example, Tonik).
3. Welfare coverage for people who can't afford some required service.
The important change is the rise in that category 1. Employers may manage some kind of tax advantaged individual medical fund which is largely supplied by the employee (with the difference being paid to healthy employees as taxable income, and unhealty employees becoming more personally responsible).