The part that people like Jonathan Cohn misses is that competition and choice may be presented as less efficient. If you had no choices of different plans or different companies, you would need less sales people. Sales people are probably a dirty word to Mr Cohn.
The last time I checked we are a capitalist, free country and in a capitalist country we will have what Mr Cohn calls inefficiencies. In reality they aren't insufficiency but are part of a societal need and want of choice and freedom.
You can take Mr Cohn's view of salespeople and do away with all of them. Then inefficiencies will appear in different forms, some of which will be hidden. Such as the inefficiency of a worker that isn't motivated to do better and / or the cost of unmotivated employees. A salesperson will (at least should) always try to do better, sell more and gain capital.
It is always easy for unmotivated people like Mr Cohn to use salespeople as a whipping post.
The last time I checked we are a capitalist, free country and in a capitalist country we will have what Mr Cohn calls inefficiencies. In reality they aren't insufficiency but are part of a societal need and want of choice and freedom.
You can take Mr Cohn's view of salespeople and do away with all of them. Then inefficiencies will appear in different forms, some of which will be hidden. Such as the inefficiency of a worker that isn't motivated to do better and / or the cost of unmotivated employees. A salesperson will (at least should) always try to do better, sell more and gain capital.
It is always easy for unmotivated people like Mr Cohn to use salespeople as a whipping post.
Ironically, Kaiser Health News published an Assurant-centered article today alluding to the possibility of it going belly-up.
Link: As Reform Improves The Overall Market, Inefficient Insurers Could Take Hits - Kaiser Health News
-AC