“Employers choose the (health insurance) policy for (ordinary consumers [employees])…Our health care system is broken. Almost no one can afford health care without insurance…One answer is to increase the size of the pool.”Another answer is to decrease the size of the pool – yes – decrease. If fewer people had health insurance it would force the costs of health care down. It is not the health care systems that is broken, it is the health insurance system, caused by those large employers who provide it to their employees. This was started in response to salary regulation in which the companies then began offering health insurance in lieu of salary, thus driving up health care costs, thereby making them less affordable to those who did not receive employer-aided health insurance and also then driving up the cost of health insurance for those who did not have it paid for by their employer. This insurance quickly became more than what was normally considered to be insurance prior to being employer-provided, which was typically what now is considered “catastrophic”; in other words, you insured against a catastrophe, like your homeowner’s, such as fire or theft; in other words, you insured again! st a major medical emergency which would land you in the hospital; ironically, it seems as if you have less a chance of being able to be treated in the hospital now than when health insurance was less prevalent. When I was a child and got the flu, I was treated to a hospital stay of a week. Try that now and see what happens.
I also had my tonsils and adenoids – yep, another week stay at the hospital. None of this drive-in and out like now.
So what exactly are we getting for all this health insurance anyway? One of the things is all the office visits that are getting paid for. But that is because they are so much more expensive, which is why? because they are getting paid for.
Again when I was a child and health insurance didn’t cover such mundane things as just going to the doctor, the doctor visits weren’t nearly so expensive.
And not just back then, either; there was a time when my own children were here that we were not able to afford to have health insurance (and yes it was employer-provided but remember that bit about it being in lieu of salary; well, ya gotta have the salary to cover it; in other words, remember, it’s not really employer-provided; it’s really coming out of your salary, so you have to have enough to cover it; so when your new company asks you what your current salary is (or in other words ask you what salary you want on your new job make sure you factor in your current employer’s cost of your health insurance if it’s going to come out of the salary figure you give your new employer – oops!) because we forgot to factor it into our new salary.
But surprise when our son needed an in-office procedure done – by a specialist even – we learned that since we didn’t have insurance the doctor drastically reduced the cost of the office visit since we would be paying directly and he wouldn’t have to wait for his money that he had to pay someone to bill the insurance company for. What a surprise it would be to go back to – gasp – a true free market system – for costs that could (and should?) be factored into your expenses and save insurance for true unforeseen events.