Article: Giuliani's pitch: individualized health insurance; Critics: Free- market health care flawed

By JOELLE FARRELL

Monitor staff

Presidential candidate Rudy Giuliani wants health insurance to operate more like car insurance.

People would shop around for plans that suit them best - young, healthy people may opt for the equivalent of liability insurance, while the ill or risk-averse might choose a fuller coverage plan. Those who take good care of themselves would, like good drivers, benefit from financial savings. And insurance companies would compete for consumers, improving quality of care while offering lower prices.

But critics of the plan say a free-market approach doesn't translate directly to savings in the health care insurance market. Giuliani's plan could leave the elderly, the ...

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