Oh I’m not saying that doesn’t work. It just won’t work on a large enough scale to be meaningful across the healthcare industry.
Working people largely struggle, always keep working and always looks for the best bang for their buck because they try to pay their bills. But they are working against two things: their own needs with limited resources in a largely uncontrolled market, and supplying tax money for the needs of others who don’t or won’t work.
What is going to happen, and is happening in fact is that the Medicaid rolls will swell tremendously. Just go to an emergency room for everything and forget the co-pays and out of pocket expenses. And even if enough do go the high D way, government is going to find a way to fine them because their plan doesn’t meet some OBAMA minimum. Why? Because not enough of high premium dollars aren’t going toward transfers to government for the Medicaid cost needs. They have all sides of this thing covered, and you can’t win because they want it to fail so calls go out for single-payer.
and of course Medicaid is not insurance and will lead to the confiscation of assets.