When selecting health insurance, policyholders can opt for a voluntary higher deductible to lower their premiums. In a recent EenVandaag segment, DSW CEO Chris Oomen called for its elimination, arguing it undermines solidarity in the system.
Case for Abolishing the Voluntary Deductible
Those requiring extensive care often skip the higher deductible, forgoing premium discounts. As Oomen notes, ill individuals shouldn't face elevated insurance costs. He advocates uniform basic insurance premiums for all.
Case for Retaining It
A CPB analysis reveals the system promotes solidarity. Healthier individuals choosing higher deductibles generate insurer profits from their premiums, which subsidize care for high-need users.
