One major problem with the concept of health insurance is that there is no clear and reasonable metric for the level of care that should be provided. If I purchase collision insurance for my car with a $250 deductable, then in the event my car is involved in a collision my insurance company will pay be either what it costs to get the car into condition comparable to what it was prior to the collision, less $250, or buy the car from me for about what it would have been worth, pre-collision, less $250. The cost to the insurance company of either of these actions is reasonably-accurately quantifiable.
Health insurance, however, is another matter entirely. There are many people who cannot possibly be gotten to a state of 'perfect' health, but could be gotten into a better state if they receive $500,000,000 worth of care than if they receive $500. How much should the insurance company spend?
And who makes that decision? A doctor, or an insurance clerk?
But my previous post was just about the inequality or rats. Insurance companies should pay the same amount for the same doctor and procedure as everyone else pays.
That would raise my cost since I have group insurance, and it would lower the poor guy who doesn't have insurance. It would reduce costs overall by making insurance billing simpler.