Insurance... this worked until gov got their hands in it.
1960... we got our own insurance. It didnt come with a job. It was called hospitalization insurance. It covered hospital stays/charges. We paid for office visits, which ranged sround $25 .. and we paid for meds, which was around $10 each.
For instance, a dr for a pregnancy, paid with each visit, and his charge was paid by time of birth.. around $300 - $400. And hospital paid by insurance.
You could find a dr who saw patience in a small town. Usibg an addition to have an office in his house, and charge $5 for a visit.
Gov got hold of all this and drs fee went up.. Insurance was a bonus with job, and it was out of people’s hands and out of control.
A dr i know, retired when paper work took all the time
Every government program costs far more and delivers a whole lot less than promised. Once in place, though, they are difficult to get rid of, including the army of bureaucrats hired to administer these programs.
Government can’t manage a 2-car funeral, so I don’t know why people put government in charge of education and health care.