NONSENSE! Many states, eg California, have just a few big health care insurerers. It should be obvious to anyone with even a rudimentary grasp of economics that such semi-monopolies help keep prices up.
In California...you have Aetna, Assurant Health, PacifiCare, Blue Cross, Blue Shield, Clarendon, CPIC Life, Fairmont / TIG, Health Net, Kaiser, and Security Life. None of them have anything approaching a monopoly in the marketplace. Have you forgotten you're discussing California insurers with someone who has worked for 2 of the companies on this list, and is about to accept a position with a 3rd company on that list?..I mean I don't know everything...but what you're saying doesn't jive with the realities of what I have exeprienced day in and day out for years. The marketplace is already shopped down to the point where ANY insurance company, no matter what state they're in, would not be able to undercut the marketplace and create savings, with more robust plans for potential members.
Obviously, the number of companies is not the relevent fact, but how concentrated the market share is. You can have 900 companies in a state, and it will still be noncompetitive if just a few have the majority of market share. The only thing I can ever say to lefties is, read up:
http://www.health-access.org/files/...Price for Health Insurance Market Failure.pdf
Californias two
largest health insurers, Anthem Blue Cross and Kaiser Permanente control 58 percent of the market.2 Under a competition rating system used by the U.S. Justice Department, the California state market is highly concentrated.3,4
The top two insurers in the Los Angeles metro
area control over 60 percent of the market. In
smaller markets, the issue is even greater: The
top two insurers control 82 percent of the market
in Salinas, and 79 and 76 percent, of the market
in San Luis Obispo and Redding, respectively.6
The American
Medical Association reports that the number
of health insurance companies has declined by
nearly 20 percent since 2000, and as a result
94 percent of insurance markets in the United
States are now highly concentrated.18
The same Government Accountability
Office study that counted the 27 competitors in
each states market for small group coverage also
concluded that there isnt enough competition.
The median market share for Blue Cross Blue
Shield carriers in 38 states was about 51 percent,
up from 44 percent in 2005 and 34 percent in
2002,
UnitedHealth agreed to pay
$400 million to settle multiple suits alleging
price fixing and other anti-competitive behavior.33,34
The attorney general of New York, Andrew
Cuomo, stated that this was a huge scam that
affected hundreds of millions of Americans
[who were] ripped off by their health insurance
companies.35 Numerous other insurers were
implicated in the same scheme, including Aetna
Inc., Cigna Corp. and WellPoint Inc.36
etc etc etc etc etc etc etc etc etc etc
Why are there so many of those expensive exams? Because the recommendation on age of starting them, and frequency of taking them, eg mamography exams, are geared to average disease incidence and age of onset for a POPULATION MANY OF WHOM ENGAGE IN UNHEALTHY LIFESTYLES.
Colonoscopies for people over 50 is an unchallenged national industry standard, like prostate exams for men over 30. The ages at which preventive benefits like well baby exams, well woman exams, colonoscopies, diabetes testing, physicals, and just about every other type of preventive beneift would be covered with no copay or deductible have not been influenced by the lifestyle of the population. I thought a hands off approach on obesity, smoking, and not mandating healthy eating habits is something Republicans are in favor of....?
You sort of don't get it. The "industry standard" is based only on the statistical norms from a country full of people who trash their health. The standards aren't pulled out of thin air, but are the reflection of a highly unhealthy population. You are SORT OF right that people have a right to trash their bodies, but then they should have no claim on taxpayers or others to pay for the consequences of their stupidity.