Dworkin, Ronald,
Hall, Mark, and
Menzel, Paul are three authors who argue that there is moral justification to regard this prior point in time, when one is shaping or purchasing one's insurance, as the proper perspective from which to make cost-value decisions about what insurance should include. If it is not always or actually the perspective in which people make such decisions, it is the perspective to which people making them should transport themselves mentally. See
Dworkin, R.,
“Justice and the High Cost of Health,” in his
Sovereign Virtue: The Theory and Practice of Equality (
Cambridge:
Harvard University Press,
2000): At 307–319;
Hall, M.,
Making Medical Spending Decisions: The Law, Ethics, and Economics of Rationing Mechanisms (New York: Oxford University Press, 1997): 193–227 especially; and
Menzel, P.,
Strong Medicine: The Ethical Rationing of Health Care (New York: Oxford University Press): At 3–36. The three authors use different terminology for essentially the same concept in talking about limitations on covered care: Dworkin, the “prudent insurer”;
Hall, , “bundled consent” to limitations;
Menzel, , “prior consent” to limitations. In “Justice and the Basic Structure of Health-Care Systems,” in
Rhodes, R.,
Battin, M., and
Silvers, A., eds.,
Medicine and Social Justice: Essays on the Distribution of Health Care (New York: Oxford University Press, 2002): at 24–37, Menzel expands the argument for cost-controlling measures in insurance contexts with explicit moral principles of presumable prior consent and personal integrity.
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