Cecilie1200
Diamond Member
How is YOUR healthcare EVERYONE'S problem, unless you're Typhoid Mary?
As described in this thread and dozens of others, genius. YOU and ME and EVERY OTHER paying customer are subsidizing the bills of the non-paying customers.
The insurance model works just fine in healthcare. It is a voluntary participation system. Individuals can choose to get a benefit by pooling with other people to account for random events.
Personally, I would like to have the option of health savings accounts. My entire family is obscenely healthy by nature. We virtually never go to the doctor except for annual checkups for the older members, and more frequent checkups for the toddler. I would much prefer, rather than paying large premiums in each paycheck for health insurance we're mostly not going to use, just to have much smaller amounts put into an HSA, that we could then use only if and when something happens to require it. Perhaps a very small insurance policy on the side for really catastrophic events.