Health insurance is no longer insurance. It is a pre-paid benefit.
If you have homeowners insurance it doesn’t pay the plumber to fix the leak in your sink or to mow your lawn. Your auto insurance doesn’t pay for your oil change or your new brakes.
But we now expect our health insurance to cover all routine costs. And Obamacare has set this in stone.
We have repealed the Prohibition of alcohol. That was an amendment to the Constitution.
We can repeal Obamacare, a mere law, and replace it with arrangements far more rational than what we had, e.g. health insurance is just for a catastrophe, not routine care which is an anachronistic legacy from the wage freeze during World War II, and everyone is affected the same as far as taxes, i.e. either it's tax free or it's not.
There's no reason for giving employees of government or large businesses special tax treatment when small businesses are the engine of about 7 out of 10 new jobs.
If you're on Medicare and you don't have catastrophic health insurance, then care is rationed to proven treatment at reasonable costs.
“But we now expect our health insurance to cover all routine costs.”
Exactly, and this is really stupid. Most people can afford an occasional doctors visit, and those that can’t can often get a break from the doctors office. On the flip side, few people can afford to pay for catastrophic health issues. That’s what insurance is for.