The point of insurance is to cover unexpected expenses.
You might want to inform the insurance companies about that. It would be news to them.
the reason health care is so expensive in this country is employers and the government keep adding routine expenses to plans and removing market forces that would help keep prices down.
That is completely untrue. The reason health care is so expensive is because insurance companies hold so much damned power over the health care of patients, including the costs of health care. It's the insurance companies that are messing with the market, not the employers or government.
Here's an interesting fact that you probably didn't know. When you pay for insurance that covers $X, most of that money actually goes to the insurance company. That's right. If your coverage will pay for $100,000 a year in health care, you're actually only covered for about $33,000 a year in health care. When you reach that limit, you're kicked out. Doctor's "charge" certain amounts for services. But in reality, insurance companies dictate to the doctor how much they will receive, and how much they will bill you for. So, when your insurance company tells you that you have used $1.00 worth of services, what they're not telling you is that they're marking up the actual cost of services about 300% of what it actually cost. With all the rise in health care prices, it's not the actual services that are increasing in price. They can't! The providers are locked into contracts as to what the services will cost. It's the insurance companies that are increasing the prices they tell you it cost.
So why do these doctors and other providers continue to do business with these insurance companies under such terms? They have to. There's no other alternative. They could simply stop being affiliated with such and such insurance company. But then the doctor won't be able to see patients anymore. They could try to rely only on out of pocket payments from people who don't have insurance coverage. But they'd go out of business.
AHA! You think you just got me there, didn't you? You're thinking that what I just said about doctor's going out of business somehow means that the costs of services really are the problem. Actually, its not what I'm saying at all. The problem is that a doctor, in his lonesome practice, will never be enough to meet all of the needs of a typical patient. But unless he's doing business with the insurance companies of other providers, nothing he says or does will matter. So, even if a patient were to rely only on catastrophic coverage, everything that happened before the catastrophe would be thrown out the window after the catastrophe happens, because the insurance company won't pay otherwise.
See, the problem is that when a doctor doesn't participate with a given insurance company, it's like he doesn't exist. What do I mean? Let's say you have a primary care physician, whom you pay out of pocket when you need to see him, but you also have catastrophic coverage just in case of an emergency. Along the way, your doctor performs an allergy test and determines you're allergic to peanuts, and advises you on how to deal with this medical issue. One day, you inadvertently touch a peanut and suddenly you can't breath. You're rushed to the hospital, thanking god you have catastrophic coverage. But when you get to the hospital, nothing that you've ever done with your doctor before matters. Now, you're going to go through everything that you've already gone through. Because in the eyes of the insurance company, you've never been diagnosed. You never saw a doctor. So they're going to give you a whole fresh set of tests. Because that doctor, who doesn't affiliate with the insurance company, does not exist in their eyes. Now, the insurance company is going to decide whether you really are allergic to peanuts. And when they decide they don't want to cover the bill because it was a "pre-existing" condition (even though you had the coverage for years before you were diagnosed) they aren't going to pay.
How do I know all this? My girlfriend manages a doctor's office. I don't know how she does it sometimes. We can't always talk about her job because some of the stuff she tells me about pisses me off so much it makes me want to get violent. Like the time when she battled for a week to get an old man's prescription authorized by the insurance company, who insisted that he didn't really have the condition his doctor said he had and didn't really need the medicine the doctor prescribed. The man was coming into the office every day for six days straight, and she was stuck spending the majority of each day on the phone arguing with the insurance company to authorize the damn medicine. She was on the phone with them when the man coded right there in the office. She made sure to point that out to them just before she hung up to call 911. I could have killed someone that day.