An interesting comment in the Times today about what the effect would be if employers paid for car insurance. The conclusion was that a lot more cars would spend time in the shop, they would be in better shape and be around for more years, and the average cost of car insurance would go up. The analogy was, of course, to health insurance, and it was aimed at making the point that people will spend money that isn't theirs to the limit that they can, and that one way of reducing that expenditure would be to require copays of increasingly higher amounts. The problem then becomes, what level of copay would have the effect of limiting use, and would that level be higher than the poor could afford? If so, doesn't that mean you are rationing health care according to income?

No answers here.