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It's simply an incontrovertible fact that in modern society other people's health impacts you whether you want it to or not. That is inescapable unless you live in a cave and never plan to come out.
Do you say the same thing when you need something that is provided by society--fire protection, police protection, highway maintenance? Do you feel there is any benefit in helping the overall citizenry stay healthy? How do you suggest epidemics be addressed?
I have a sprinkler system in my house, my two German Shepherds will kill anyone stupid enough to trespass so my security is assured. I have 4X4’s so the roads I don’t care about and I burn biodiesel I make so no fuel tax for me, I pay cash to my doctor so my health is covered. No epidemics for me.
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.
I don’t have health insurance. Try again. And my assets will cover anything catastrophic.
Why ask this question? The US is number one in medical innovations and yet 37th in medical care. Why not simply go to countries that have a good working plan in place and start with a duplicate of that system updating as any special needs by Americans surfaces.
For Medicare, simply remove the cap. Everyone who is entitled to Medicare pays their share regardless of income and earnings.
I also would like to see a government sponsored program whereas people who have proved themselves qualified receive a government paid medical education. In return those medical graduates agree to work 5 or 10 years at a clinic for a base wage. These clinics would be free to all patients.
Currently our medical system is based on a profit motive. The want to keep patients sick and being continually treated as they do not make money on the healthy or dead. 1 in 25 Americans now bankrupt because of medical bills. This is a travesty. Any plan is better that what we have.
When you don't know which road to take any road will do.
Very simple. The establishment of a government run "national health service" and a parallel completely private system. You take your choice. This is what exists in the UK. It costs 9.6% of their GDP as opposed to the 18%+ it costs in the USA with 10s of millions of Americans still without health insurance.
Get rid of "fee for service-usual and customary." All doctors on salary.
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.
How about people pay for their own stuff?
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