I see what you mean about insurance going "to each according to his needs", but it's still confusing. It'd be like calling Al Gore a "conservative" because he wants to "conserve" swamps and rain forests or whatever. Anyway...
Do you mean you're in favor of removing the ban on re-importation? I have to admit I'm not 100% certain what would happen if we removed the ban. It seems obvious that initially US prices would go down, but I'm concerned counterfeit drugs might become a rampant costly problem. It seems like it's maybe worth a try though, since it's such an easy law enforcement policy change. It's a confusing dynamic system because it depends on what happens in the socialized Canadian drug market.
So if there are low-risk cases where buying alone is cheaper, and high-risk cases where buying alone is more expensive, that's not really a "group discount", that's just me subsidizing the old fat guy in the office down the hall. Effectively I'm getting paid less than him, assuming that our cash salaries were the same. If he was paying for it himself, he might have some incentive to get in shape - instead the company is footing the bill so who cares.
That's not quite the same thing. Now if you were just making a comparison to another meaning of the word conservative, that analogy would make more sense.
I am in favor of being able to import drugs freely, removing any bans. I don't think you have to worry about counterfeit drugs. there are plenty of reputable companies in other countries, some of them are even divisions of the same drug companies here. You also can't keep clients if they keep leaving when they discover the drugs are fake. You can make a lot more money just selling the drugs.
No, it is actually both. Like I said, insurance on your own is only marginally cheaper than the total cost of your insurance benefit if you are a healthy non-smoking normal weight man under 30. Otherwise it will cost you more. Big companies get a discount for the same reason they get a discount on anything. Because there is no reason to be concerned about the profit margin when you are talking about thousands and thousands of policies. Any salesman out there would be making any and all deals to land a huge sale like that.