Who's talking about paying?
i'm talking about my right to choose whether I have it without breaking the law.
Here's the thing, though...you need insurance because there's always the possibility you will incur medical costs that you cannot afford. An appendectomy, for example, has an average cost of $33K. How many folks have that much cash in their savings account? Not many in the middle class, that's for sure. So if you get appendicitis and need to have your appendix removed but can't afford it, the hospital is required by law to treat you anyway and they then charge you the same prices that are in that chargemaster they have worked out with insurance companies
to keep themselves profitable.
So there's no incentive for providers or insurers to change the way they do business, and they spend more than the Oil and Defense lobbies
combined to maintain the status quo. The only way to reduce costs is to do away with the chargemaster, which also means doing away with insurance companies.