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- #121
It’s not irrational but it is a pipe dream. Everything run by the Govt is at best inefficient and at worst a corrupt mess. See the VA.There most certainly are many things inherently wrong with insurance.
One is that you are forced to prepay, so then lose any ability to withhold payment over costs of quality disputes.
Two is that insurance companies skim huge profits without adding any medical treatment.
Three is they tend to lock up providers so you can't even see a doctor without insurance.
Four is that they had huge overhead of paperwork, forms, etc., that differ for each company.
Insurance companies should have nothing to do with health care, as they are always going to discriminate against the poor.
You're describing the corrupt, bloated form that health insurance has taken. The problems you cite aren't inherent to insurance itself - and you don't see them outside of health care. It's taken that form because of our misguided efforts to placate irrational desires via legal mandates.
And irrational desires are the core problem. The problem with health care starts and ends with desire to have all the health care you need and not have pay for it.
There is nothing irrational about wanting all the health care you need and not having to pay for it.
That is what almost every country in the world has, and it was easy to do.
Health care is not something that is going to be abused, like free ice cream.
No one wants to go to a doctor, and will only do it when necessary.