re: #203 Wendya

The government considers me underinsured because I have a HSA.

I don’t know how they reckon the underinsured; I had in mind the people who have insurance and then can’t get treated for some condition because the company successfully wiggles out of it or the like. I don’t know the estimates about how many of those there are, nor how they arrive at them, nor whether they’d even be accurate. It’s incredibly difficult for them to come up with an accurate number for the uninsured, and counting the underinsured would be even more difficult (and thus even more likely to be flawed).

And that’s a legitimate worry when it comes to reform, because the cost of it can’t be estimated without an accurate count (at least in the ballpark) of how many are uninsured. If it’s wildly inflated, then it will cost us less than predicted. But if it’s an undercount, it will wind up costing us more.