Health insurance premiums are growing at an alarming rate. This is, in part, because many hospitals and clinics bill for unnecessary diagnostics and tests that inflate the subsequent amount that insurers pay out to them. These expenses are then passed on to consumers in the form of increased insurance premiums. Therefore, reducing the number of unnecessary tests performed by health care providers will be effective in controlling growing health insurance premiums.
Often times, the unnecessary diagnostics that you speak of are the result of decisions made by doctors on behalf of their patients. Doctors will often choose the diagnostics that will allow them to bill insurers for more money, but may not be necessarily benefit the patient in a meaningful way or influence the course of treatment chosen. As a result, in order to succeed in reducing the number of unnecessary tests, we should allow the patient to decide which course of diagnostics they would like to undergo.
In the table below, identify the assumptions upon which each person's argument depends. Make only one selection in each column, one for Joseph and one for Ronald.