The board should exercise its power to mandate payment by private parties very rarely. If insurance companies anticipated potentially limitless liability, many would respond by exiting the private insurance market. The remainder would likely raise insurance premiums significantly to cover increased costs. This would destabilize insurance markets, price many more people out of those markets, and would alter health care delivery dramatically and in a manner that might not be desirable. For private insurance markets to remain stable, the risk to insurance companies will need to be predictable and limited.insurance companies are aware that the board has plenary discretion to create liability and that it generally will not exercise that discretion except under predictable, but relatively broad circumstances.
VC++面向对象可视化编程创建窗口及填充The adjudicatory board’s most significant power would be granted to it only indirectly: the power to control the price of health care. If major health care reform is instituted, the likely primary objective of such reform will be to reduce health care costs. If the adjudicatory board grants coverage in a large number of the cases it hears, that could undermine the government’s efforts to control costs and thus the price of coverage. The board must remain cognizant of that fact and act accordingly. It seems unlikely, however, that the presence of this board will cause significant net prices increases. With sufficient procedural controls (which I discuss in the next Section), we would expect relatively few claims to be granted. Moreover, the presence of the board grants the government more political capital and the moral freedom necessary to enact desirable health care delivery reforms. Accordingly, the adjudicatory board complements, rather than detracts from, reform efforts. Thus, in addition to creating a more moral system of allocation,172 the adjudicatory board also generates a net cost savings.本文来自辣.文,论-文·网原文请找腾讯752018766
Conclusion：Providing medical treatment to those who want it has considerable emotive appeal. At the same time, it remains impossible to entitle every person to all desired medical care; rationing care is necessary. There are three generalized mechanisms to health care rationing–rationing by price, quantity, and prioritization–that are all accompanied with considerable moral difficulty. In light of this difficulty, this paper proposes the incorporation of a moral imperative, the “new moral paradigm,” into rationing decisions. This makes it both less likely that socially intolerable denials will occur and more likely that the results of the rationing scheme will be acceptable to as many people as possible. It also provides comfort to those not sick by ensuring that should they truly need care, they will not be denied access to it without a hearing. This adjudicatory model thus provides a valuable contribution to health care reform efforts because it minimizes the potential harm from poor policy and makes it easier for those unhappy with prevailing proposals to accept them.
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