And? In Belgium people do have the private option and that country is tiny. Explain why we cannot treat health insurance like we do auto insurance? Why must it be tied to our employers?
Hooo-boy.
Okay. Here's why we can't treat health insurance like car insurance.
First, the only reason why the Auto insurance system works is because it's not voluntary. If you drive a car, you are required to not only have insurance, but you are required to have insurance that covers you in case the other guy isn't. If you still owe money on the car, you are required to insure that car for its replacement value. Furthermore, the car insurance companies can raise your rates if you have accidents. I just had my first accident in 15 years, I expect my insurance rate to go up, even though the damage to both vehicles was minor.
If we ran health insurance like that, we'd mandate that not only would you be forced to buy insurance, but you would be charged more for that insurance every time you went into the doctor for a cold.
Second, health care is preventative.... you stay healthy by having regular physicals, vaccinations, lifestyle advice. In short, an ounce of prevention is worth a pound of cure. But if you treated health insurance like Car insurance, you'd be penalized for checkups, so you'd be less likely to do them.
Finally, there's frequency. There are 6 million car accidents a year... out of 272 million motor vehicles. roughly 2% of cars are involved in an accident each year.
Out of 300 million Americans, there were 880 million hospital visits. In short, every American is going to a hospital or doctors office 3 times a year on average. Of course, if you are healthy you don't go as often, if you are sickly you go more often.