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You are missing the entire point of insurance - to spread the risk around. The idea is to join forces and pay a certain amount so that if and when you need care, you will be able to afford it. If you pay for 30 years and never need a major hospitalization, are you going to want your payments reimbursed? They have gone to pay for someone else's hospitalization.
If you truly think that you are paying for yourself only, that is known as self insurance. If this is what you want, why not just set aside your current premium amount every month into a health care account, and use this account to pay for your own expenses? However, chances are, that one hospitalization will wipe out this account.
Aside from invalids.. all physically and competent Americans must pay for Health Insurance.
You are not foolish to drive a car without car insurance. You are not foolish to buy a T.V. set
without a warranty and you sure as heck shouldn't be foolish enough to go without health insurance.
If you truly think that you are paying for yourself only, that is known as self insurance. If this is what you want, why not just set aside your current premium amount every month into a health care account, and use this account to pay for your own expenses? However, chances are, that one hospitalization will wipe out this account.
And ask why hospitalization can wipe out a bank account. Mircea has broken this down into minute detail, and I am sure if you search, you'll find those breakdowns.
Ask why a single hopsitalization can bankrupt someone. Go look into that. By all means.
And btw - health care spending account is exactly how I fund my medical costs. I'd save more, but government caps how much I am allowed to save pre-tax because they can't have my taxable income going too low that I escape paying them proper tribute. I mean, I have general savings as well, but the HSA thing caps really low, like half the bronze care annual deductible. Can't have people being financially resilient or else they may question government's efficacy.
These discussions are so funny to me, and absolutely the best proof available that both liberals and conservatives alike are pure statists. Just talk about funding your own health care, and you instantly get everyone on team Red and team Blue screeching at full volume, full hysterics, like straight apoplexy.
Just hint at removing government from health care, and Team Red and Team Blue lock arms like BFFs to scream and holler at the crazy individual thinking like an individual.
You are missing the entire point of insurance - to spread the risk around. The idea is to join forces and pay a certain amount so that if and when you need care, you will be able to afford it. If you pay for 30 years and never need a major hospitalization, are you going to want your payments reimbursed? They have gone to pay for someone else's hospitalization.
If you truly think that you are paying for yourself only, that is known as self insurance. If this is what you want, why not just set aside your current premium amount every month into a health care account, and use this account to pay for your own expenses? However, chances are, that one hospitalization will wipe out this account.
Opinion: Agreed....... This is why tons of commercials push for healthier ways of living from eating to exercising.
To lower the costs of payout over long periods of time. Why? There ain't no such thing as money growing on
trees or the money fairy..........
A basic coverage for those who can't afford it (No bankruptcies due to medical costs). For those that can pay more, more coverage, more choices, etc. Paradigm change into more preventative care, lifestyle, diet and stress reduction, etc. More natural therapies integrated into the mainstream. Cut out excessive diagnostics, over medicalizing of every ailment, over medicating, etc. might rake in costs. Multiple things.
i think the question drives directly to what is wrong with the system. maybe what is wrong with everything we do from a government perspective.
the question shouldn't be what kind of insurance we want to see. The question should be what will:
1. drive down the cost of healthcare
2. grant everyone access to affordable healthcare
THOSE are the questions. and none of the solutions being offered address those questions.
Letting insurance companies have control of our healthcare is insane. creating a single insurance plan run by government is equally insane
i have long been of the opinion that what we need to do is get rid of most health insurance. create a system that
1. requires providers (hospitals drs etc) provide the cost associated with visits so everyone can see the costs.
2. every person has a Health Savings Account to pay for everything up to major medical.
3. Major Medical insurance be a co-insurance plan (80/20, 90/10 etc) BUT where the insurance company does not negotiate rates in any way shape or form. That is left to the patient/dr relationship.
4. fund HSAs in a way that everyone has skin in the game (even poor people) but dollar cost average so that poor people aren't paying vastly more as a percentage of their income vs the middle class and wealthy.
5. create a system that takes care of those who are incapable of taking care of themselves.
These things can be done. Doing this will drive down costs by as much as 60% if not more. We just aren't looking at the problem correctly. we see it as an insurance issue. It isn't. Its a cost/access issue.
The question was what kind of medical insurance I would like to see, not what kind of medical insurance I think properly addresses how those without insurance can access health care services.
WHAT I WANT is exactly as I described.
Government totally removed from the equation.
My insurer and I working out a policy that is mutually beneficial, free from coercion or duress, according to voluntary association.
Government totally removed from the equation.
Government totally removed from the equation.
Government totally removed from the equation.
Government totally removed from the equation.
That's WHAT I WOULD LIKE TO SEE, which is the direct answer t the direct question of "what kind of medical insurance plan(s) would YOU LIKE TO SEE?"
Protecting all of us is not my freaking concern when I purchase any product. I don't GAFF what your plan is, how easily you can access health care, what your freaking health status is, none of it. It is not my concern in any way whatsoever. On that same token, I don't expect you to care even one iota about any of the above for me. Not your concern, never going to be.
So what I would like to see is individual plans being truly individual, same as every other good/service under the Sun. Purchase it if you like, do not purchase if you don't. Weigh the cost and benefits, caveat emptor, blah blah.
Good luck with that if you have, or one of your children is born with, an expensive to treat, long term health problem.
What is your plan when you are priced out of health insurance?
And ask why hospitalization can wipe out a bank account. Mircea has broken this down into minute detail, and I am sure if you search, you'll find those breakdowns.
Ask why a single hopsitalization can bankrupt someone. Go look into that. By all means.
And btw - health care spending account is exactly how I fund my medical costs. I'd save more, but government caps how much I am allowed to save pre-tax because they can't have my taxable income going too low that I escape paying them proper tribute. I mean, I have general savings as well, but the HSA thing caps really low, like half the bronze care annual deductible. Can't have people being financially resilient or else they may question government's efficacy.
These discussions are so funny to me, and absolutely the best proof available that both liberals and conservatives alike are pure statists. Just talk about funding your own health care, and you instantly get everyone on team Red and team Blue screeching at full volume, full hysterics, like straight apoplexy.
Just hint at removing government from health care, and Team Red and Team Blue lock arms like BFFs to scream and holler at the crazy individual thinking like an individual.
Opinion: The only way for a social healthcare to work is everybody must chip in.
Not all can invest equally for a multitude of reasons but all must participate
to achieve some sort of satisfactory result. Due to lack of participation, insurances
strip away the fat to reduce losses. This will continue and will not stop until it reaches the
point of excluding lists of subscribers such as illegal immigrants,alcoholics and drug addicts
as an example to think about. This cutting of corners will continue until only the healthy and those
willing to spend an enormous amount of money end up with coverage in this Great Country.
Remember: There is no such thing as free.................Someone out there is paying. Might as well be everybody.
Location: Live:Downtown Phoenix, AZ/Work:Greater Los Angeles, CA
27,606 posts, read 14,615,202 times
Reputation: 9169
Quote:
Originally Posted by Mr.Retired
Opinion: The only way for a social healthcare to work is everybody must chip in.
Not all can invest equally for a multitude of reasons but all must participate
to achieve some sort of satisfactory result. Due to lack of participation, insurances
strip away the fat to reduce losses. This will continue and will not stop until it reaches the
point of excluding lists of subscribers such as illegal immigrants,alcoholics and drug addicts
as an example to think about. This cutting of corners will continue until only the healthy and those
willing to spend an enormous amount of money end up with coverage in this Great Country.
Remember: There is no such thing as free.................Someone out there is paying. Might as well be everybody.
I'm not sure how old you are, but single payer will happen in my lifetime. Bank on it
Pushing 60 and I want to opt out if that form of socialism ever happens. I can take care of me better than some government entity.
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