Question - Would someone actually want a low budget plan( poor performer) with a high deductible as a choice, or would it be the only choice available to them ? You see it's all in the wording I notice on these things. I know I can only get what my money allows me to get, but does that mean I am satisfied with that ? NOPE! When it comes to ones health, all humans should get the best services available to them that are possible, but in a profit driven industry comes the separation of the classes and the people. Is it right ? No it isn't, so what to do about it no one seems to know anymore. Having to send people to the emergency room for services, because they can't afford services any other way, is the equivalent to sending someone to the back of the bus (IMHO). There is class separation going on big time in this health care situation, and there always has been, so do you think that as right or do you think that as wrong ? Who has caused the huge gap that has formed in this arena between the classes ? Was there pure greed involved, and who are the greedy, or the culprits, and the perps being found in all of this ?
The best health care plan today, IMO, are HSA plans. Especially for healthy people. They have a very high deductible, and a low premium cost. You put your own money in your own HSA savings account, that's your money and it's all tax deductible. For the most part, if you ever need health care you use your money to pay for it up to the deductible. You can earn some interest on your HSA account.
For example, you can save on premium costs for decades, create a huge health savings account nest egg. Then if you get some big problem(s) your nest egg covers the deductible for the year(s) you are paying for the big problem(s).
Can I afford high premium "gold" insurance .. yes. Do I need or want to? Hell no. I hate insurance.
The health insurance industry you would figure, well that they wouldn't want to be pricing themselves out of the business in most all cases available to them, and that they would definitely want to work with the government in order to get a consensus on how to jointly help those who need access to the same care as everyone else has. You would also figure that they would be willing to listen to what the government could do in order to help them help us through a subsidy program if they can't do it alone.
Now the question is, what is making them do what they are doing, because that is exactly what they are doing
pricing themselves out of a potential business based upon a pool that would cover any and every issue that people could ever come up with or run up against in their lives ?
They are alienating so many people upon denying them access due to the high cost of their product, that it has become counter intuitive for them. Simple analogy here, where as I see it just as a movie theater that has say 150 seats ok, and then they price the movie so high that only a 1/4 of the seats are used, thus not allowing them to profit enough to have even opened the theater up that day. Now if they would have dialed in on the correct price or knew that people would have the money by other means, then they would have filled all but a few seats in the theater thus making themselves profit and many others in the chain profit as well. "Everyone wins".
The other good thing is that the people would have had the same quality of product that the others in the theater had also (no one placed in special seats that are way up in the upper parts, and in the back all because they didn't have the same money as the next person did), so everybody wins again in that respect as well, and all due to a great theater management system of thinking going on . Now how come these concepts or thoughts aren't working anymore or have been forgotten about these days ?
Is it a political war that is causing the citizens harm in these ways now ?
