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- #101
We agree that is the problem. Another problem is that the rich and middle class don’t want to sacrifice their healthcare to help the poor. If we are being honest.Yeah it would be more complex but maybe you go to your point with a higher deductible? At work someone with three kids pays as much as someone with 7 kids. Weird.Or make it work like auto insurance?The process is 100% brokenThat is if you take it as a whole. Middle Class, Gov't workers and wealthy people generally have very good insurance and healthcare but the rest suffer and it brings down the overall rating.
True, but the insurance companies still cause health care to cost over twice what it should, and you still have no means of complaining, controlling, or suing over cost or quality.
You have already prepaid with insurance, and can't afford to be dropped and lose your health care access.
It seems clear to me that insurance companies have to be taken out of health care.
They add nothing and not only greatly increase the costs, but the paperwork.
But did anyone ever try to sell you "prepaid legal service"?
It essentially is about the same problems with health insurance.
Once you prepay, you lose any control over costs or quality.
So I think the only way to fix health care is to get private insurance companies out of it.
Not sure?
With auto insurance, you can reduce cost by getting a less expensive vehicle and going with minimum liability.
You can ditch the optional "comprehensive".
But can you do that with health insurance?
You can increase the deductible, and go with catastrophic only, but a heart valve has got to still costs hundreds of thousands.
But I pay about $500/year for auto insurance, and health insurance was more like $500/month.
You can't go by what employees pay because not only does the employer foot the majority of the bill since it is tax exempt, but employers can group bargain much better than single purchasers can. And that is the problem. The poor who are not given employer insurance end up paying far more for the same or worse coverage than the wealthy who get it through their employer.