I have babies all the time :-).
People would take better care of themselves, use prescription drugs more wisely, etc., if they were responsible for a greater portion of the cost. Unfortunately, because decisions have been taken from the consumer, people seem to think that "health insurance" means anything you want, and somebody else pays.
I'm sure I'm preaching to the choir, here!
Yeah, we know.
"People would take better care of themselves, use prescription drugs more wisely, etc., if they were responsible for a greater portion of the cost."
Only to a point, it costs me almost $500.00/month before I even use my insurance and I am 53 with a 5 year old daughter and an epileptic wife. It costs me an additional $150 a month for my wifes various meds and Dr visit copays. Because of this, I don't go to the doctor and there are more than one very big reasons that I should. I am a milignant melanoma survivor but fear it's returned and I suffer from severe degenerative arthritis in the neck and spine. I cannot afford to see a doctor or be hospitilized. My wife cannot drive and we live in the country. I'm screwed and I pay a very large chunk of money for my healthcare.