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I think health insurance should be for catastrophe, surgery, or major chronic illness only. Why do people think they have to use insurance to pay for a check up or medication? Pay these minor costs yourself (and if people would plunk the cash down at the end of the visit the costs would be minor),like people did for centuries.

I agree. I have been waiting for some Dr. to go into business where his business also is a small hospital with basic equipment such as the old type X-ray. He/she is also qualified surgeon. He limits his practice to a particular number of patients, requires them to sign waiver they will not sue and he offers his care to them. It should not take his patient's long to see if they like his style and if they believe he is the Dr. they want to keep. If you are insured you collect from your insurance company yourself. If a catastrophy takes place you have the choice of staying with what he can offer or you go someplace else. I think half the problem with health care is the affiliation with the hospital who had to go hi-tech, even if they were a small hospital.

I have car insurance, but I don't expect the insurance company to pay any part of an oil change or tire rotation. I have it for when some uninsured idiot plows into me or a tree crushes the roof.

We are required to carry insurance in our state or you pay a fee to an uninsured motorist's fund. It was suppose to be a great thing and so was no-fault insurance. Neither are worth the legislation. I have been in only one mishap which the person behind me had NO brakes and NO driver license. My insurance paid and I paid the deductible because I did not have something called collision. I soon got it. But I agree, no one expects anything from car insurance or house insurance for that matter, in fact the adjustors do everything they can to get out of it as cheaply as they can. Hmmmm, not that I put it that way, I guess that is what has happened to health care since insurance clerks determine the care an insured person receives. LOL