|
Single payor insurance might make sense, but everyone needs skin in the game. A $20 copay should exist, as well as $5 for prescriptions, with some cap on the max amount for those taking many.
Insurance is supposed to protect against unlikely and irrecoverable financial disaster due to health issues, not cover expected issues like the sniffles. There's nothing to be done about cold or flu anyhow, so there's no reason for people to visit for these reasons.
I have an HSA plus high deductible health insurance. Early this year I had an eye emergency caused by shingles, and paid about $1000 total. No problem, as the money I've saved far exceeds that expense.
|