Originally Posted by maine_coon
So are you proposing we start paying for health care ourselves?
We already do, of course.
(Who do you think pays for it? The health fairy? Your employer? The government? )
But doing so more directly is infinitely more sensible.
Health Insurance policies should cover catastrophic events.
Example: A policy that covers a million dollars worth of treatment, but has a deductible of $5000 each year.
I pay $500 amonth for my family, and my employer gives another $300 a month of my compensation. That is $9600 a year plus all of the co-pays. I am paying that right now.
Office visits and drugs should be 100 percent out of pocket expenses.
That makes us keenly interested in the service we get.
Plus, a doctor doesn't have to deal with the ridiculous overhead of claiming his $25 for a 15 minute visit a gazillion times a year.
Now for the safety net. Instead of the idiocy of subsidizing indigent care only in the ER, and via our private premiums...we set up state (not national) universal health insurance. Including preventative care. This is a much better way to spend the MONEY WE ALREADY SPEND TO PROVIDE UNIVERSAL HEALTHCARE.