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This cant be said enough... When i had a doctor come to my door asking if i had any masks to donate I had some choice words for that schmuck.
@freemo I think that banning health insurance could get rid of this problem overnight.
Ya know I never considered banning health insurance... and I was about to say that sounds idiotic... but as I try to type it i just keep going "he aint wrong".. if everyone had to pay cash people would be pissed as fuck at the rip off prices and might actually demand some change.
The problem is people dont know how to fix problems. So while they would demand change that demand would be "make it free for everyone!" and then we are right back at having insurance again.
@freemo @realcaseyrollins Maybe a happy middle ground is higher deductibles. A lot of people don't need insurance for things that cost a couple hundred, they need insurance for something that costs thousands.
In this way, a lot of people would shop around for a lot of medical purchases, but you'd avoid financial ruin for a huge thing.
Health insurance is fine. But it needs to be actual insurance and not a payment plan. Think of it like car or homeowners insurance. It’s there to handle unexpected big ticket things, not routine maintenance.
I‘m a fan of HSAs on steroids. Tie a high deductible policy to a tax- free savings account that I own entirely. I say on steroids because I’d like the option to raise the deductible even higher and allow me to save as much as I want in that account. But the current HSA model is a good start. I can keep everything I put in there for life, it’s tax free as long as it’s spent on medical expenses. At retirement age it’s eligible to be pulled out for any other reason but doing so mesns it will be taxed (no additional penalties, just regular income). And I can make money on the balance over time.
> Health insurance is fine. But it needs to be actual insurance and not a payment plan. Think of it like car or homeowners insurance. It’s there to handle unexpected big ticket things, not routine maintenance.
I think many responsible people see insurance as a good idea, to each their own. I am of the opinion that statistically your better off just taking that same money and putting it into a bank account. Statistically the bank account will reach much higher values than you will ever need to spend on healthcare (assuming you paid the same as an individual as insurance pays, but even if not this tends to be true).
While this can be risky at first (and really you have to get a savings going before you go off health insurance), once you get there and especially if you keep it multi-generational, then there is no need for healthcare, even with big ticket items.
@ech
Not sure how a higher deductible would fix the extortion pricing that ultimately drives up either your medical bill or your monthly insurance bill.
To me the solution is clear, there is really only one. Co-op only healthcare. By making all healthcare (especially insurance) co-op you retaint he group bargaining, institute supply-demand pressures to improve service and pricing, and eliminate the greed element by ensuring the customers are the owners. This allows insurance to remain free market (addressing the issues with universal healthcare) while also removing the greed and exploirtation factor (a problem with unregulated free market healthcare).
@realcaseyrollins @LouisIngenthron