Issue: Spiralling Out of Control
[desc] Young and healthy @@demonymplural@@ are dropping their health insurance in droves as their premiums have been increasing faster than inflation. Without further action, experts say that the insurance industry will collapse in what has been dubbed the "death spiral".
[validity] low levels of insurance, developed country, capitalist
[option]"Healthy people are finding that the costs of health insurance far outweigh the benefits," explains insurance actuary @@randomname@@, as @@he@@ looks up your probability of death in the coming year on a mortality table. "Those who continue to have health insurance are more likely to be ill, increasing our average costs per person. We have to pass on these costs as higher premiums, which only strengthens this vicious cycle. To fix this, we need to encourage "
[effect]the first question asked in insurance questionnaires is 'ASL?'
[option]"Thou must smite the insurance industry completely!" beseeches @@randomname@@, as @@he@@ waggles his finger at you, while slowly shuffling into the room on @@his@@ walking frame. "Ahem. Sorry, that was a bit dramatic. All these companies want to do is line their pockets with our money, even though we have paid insurance our entire lives! Send these rascals a message by creating a taxpayer-funded national health service instead. No need for us to deal with a profiteering middleman, and you will get that warm fuzzy feeling of helping us people of age."
[effect]health insurers have become bankrupt because they didn't take government intervention insurance
[option]"Can't you see it's these doddering old fools that are the problem?" asks your brother, as his nose is upturned because of the 'old person smell'. "The reason why we pay so much for insurance is because all the old retirees keep dying. Let's say, however, that when old people stop being productive members of society… we give them a permanent retirement before they start needing insurance payouts. You'll save the insurance industry and as a side bonus, you'll be able to save a few @@currencyplural@@ in welfare payments."
[effect]odour-eliminating soaps are suddenly popular amongst the elderly
Issue: Spiralling Out of Control
[desc] Healthy @@demonymplural@@ have dropped their health insurance in droves because of their low risk and years of increasing health insurance premiums. Without further action, experts say that the insurance industry will collapse in what has been dubbed the "death spiral".
[validity] no national health cover, low levels of insurance, old people
[option]"It is mostly the very sick that are signing up for health insurance these days," explains actuary @@randomname@@, as @@he@@ calculates your life expectancy based on your weight and smoking status. "Without healthy people contributing, the health insurance industry is going to be bankrupt. Allow us to charge different prices to people based on a genetic sample and their responses to our extensive questionnaire. That way, we can work out who is healthy and give them discounts to continue paying insurance."
[effect]the first question asked in insurance questionnaires is 'ASL?'
[option]"Thou must smite the insurance industry completely!" beseeches @@randomname@@, as @@he@@ waggles his finger at you, while slowly shuffling into the room on @@his@@ walking frame. "Ahem. Sorry, that was a bit dramatic. All these companies want to do is line their pockets with our money, even though we have paid insurance our entire lives! Send these rascals a message by creating a taxpayer-funded national health service instead. No need for us to deal with a profiteering middleman, and you will get that warm fuzzy feeling of helping us people of age."
[effect]health insurers have become bankrupt because they didn't take government intervention insurance
[option]"Can't you see it's these doddering old fools that are the problem?" asks your brother, as his nose is upturned because of the 'old person smell'. "The reason why we pay so much for insurance is because all the old retirees keep dying. Let's say, however, that when old people stop being productive members of society… we give them a permanent retirement before they start needing insurance payouts. You'll save the insurance industry and as a side bonus, you'll be able to save a few @@currencyplural@@ in welfare payments."
[effect]odour-eliminating soaps are suddenly popular amongst the elderly