Quote:
Originally Posted by darcane
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Medical "insurance" isn't insurance at all. Insurance means you pay into a policy that will pay out for well-defined unforeseen expenses. Medical "insurance" pays for routine doctor visits, birth control, medication, OB/GYN, etc,. That would be like having auto insurance pay for maintaining your vehicle.
Get "insurance" out of the picture, and knock down the monopolistic protections that the healthcare industry has and healthcare cost will be cut down to 10-20% of what they currently are and you could afford it out-of-pocket.
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I'm hyping your excellent post.
A doctor's visit for the sniffles isn't something that insurance should cover. Everyone should expect that sometime in their life they will need $200 for an office visit for something likely benign. My wife estimates that 2/3 of the office visits at the clinic she works at are frivolous. The doctor she works for will say sarcastically "really, congestion for 2 whole days? Why did you wait so long to see me?".
Health insurance costs so much because people are insulated from the full cost by employee benefit programs, and they see doctors trivially because their out of pocket expenses are very low. How many of you have shopped around for the best price for healthcare?
When I hurt my back, could hardly walk, and wasn't sleeping due to pain, I was on my own because I didn't have health insurance. This forced me to shop for the best price on an MRI, which I was able to get for $450. I'm sure I'd have no complaints that the MRI paid for by insurance was $2k, if I had coverage.
What does employment have to do with healthcare anyhow? Why did that ever become a thing? I need a job to earn money, and that's it. Eating, sleeping, playing, investing, and healthcare are my responsibility, and nobody else.