Before government got involved in healthcare, just about everybody could afford that doctor's visit and paid for it out of pocket. A shot or a prescription was also something people could and did pay out of pocket. The very few who couldn't pay the modest fees received a bill and were expected to pay it out as they were able. Ditto for the emergency room or the first couple of hundred or so of a hospital stay.
So nobody abused the system because it cost them something to do so.
We all pay up front out of pociket for maintenance, repairs, and service on our appliances, houses, automobiles, heating and air conditioning systems, etc. etc. etc. To think that it is somehow immoral to for people to pay up front out of pocket for routine healthcare and maintenance is absurd. Aren't people of capable of putting as much importance on our health as we are our automobiles?
And under that system the USA had the very best healthcare in the world. We were the envy of everybody.
But the more the government got involved, the more the system was twisted and thrown out of kilter. No longer were honest market driven costs the norm but what anybody could cheat or obfusicate or manipulate because the government would pay the price. And that is a cancer that begins to affect other products and services that are all interconnected. And it didn't take long before routine healthcare was artificially inflated for everybody so that it is now difficult to go to the doctor if you don't have insurance.
It should not be that way.
Get government out of it entirely and let the free market work. And we will again have the very best and affordable healthcare in the world.
Yes, people could afford to go to the doctor because a trip to the doctor did not include 15 blood test, immunization for Influenza, Pneumonia, Hepatitis, Mumps, Measles, and recommended specialize diagnostic tests and procedures.
If people had to pay for all their healthcare, you're absolutely correct, costs would come down however so would life expectancy. Insurance with high deductibles would seem to be the answer because it makes the patient more responsible. However, we know that high deductible policies encourage people to bypass physical exams, immunizations, maintenance drugs, and low cost procedures that prevent illnesses that are very expensive to treat. In addition, the poor are not likely to have enough money to pay a high deducible.
I don't think putting up to a 1/3 of the population in jeopardy of dying or suffering from curable diseases because they don't have the money to pay for treatment is going to be the answer.