I’ve thought about this a lot. Not tying it to employment means that losing one’s job doesn’t automatically mean losing coverage.
I do think that there should be a focus on insuring to cover large expenses, and catastrophe, like cancer, illness, etc., but paying out of pocket for office visits. Health Savings Account type do this, but there should be a more focus on this.
However, I’m not sure how we could legislate this sort of thing.
I do think that there should be a focus on insuring to cover large expenses, and catastrophe, like cancer, illness, etc., but paying out of pocket for office visits. Health Savings Account type do this, but there should be a more focus on this.
Right
And an Urgent Care to go to for $5 for poor people.
And gee, maybe even an emergency room where there is not a 10 hour wait!
Wow
Think how modern and normal that would be!
Isn’t it great to live in America?
I do think that there should be a focus on insuring to cover large expenses, and catastrophe, like cancer, illness, etc., but paying out of pocket for office visits. Health Savings Account type do this, but there should be a more focus on this.
I agree. Force healthcare onto a cash and carry model for all but catastrophic care. Catastrophic Insurance is exceedingly cheap. So is using cash. Take the middleman out of it (that would include the obese middleman known as Govt) and we can realize substantial savings. A tort reform bill requiring looser pays all costs would go a long way towards reducing costs.
take away the pre-tax benefit.
Why legislate it? Why not let the market rule? Select a plan that covers catastrophic-only claims. Form public pools and buy group coverage for members. Opt out of employer-provided care and use the money for your own plan.
There are always alternatives to more government intrusion.