Lucinda Creighton (Dublin South East, Independent) | Oireachtas source

There is a risk that because of State subvention and community-rating with risk equalisation, there is no incentive to recruit young members. It would seem to be a waiting game for lifelong community rating and, in the case of VHI, waiting for the benefits of risk equalisation. Connected to this serious issue is the matter of how many packages are offered and how complex they are. I know of individuals who have been told by honest people working in the VHI that they have been over-insured for 20 years but there is no redress or compensation from the health insurer.