We really need to kill off the current insurance model. Everyone knows it’s BS, but no one’s willing to change it.
I don’t understand why I need to work for a big company to get “cheap” insurance coverage. I get that rate because the company negotiated it on my behalf, and then covers some of my costs - but - why can’t a family like the one in the article get the same rate?
Add to that the doctors billing 2 to 10x the cost of a procedure, then accepting the 1x payment from insurance.
It’s a complicated problem that most people can’t actually solve, but it’s gotta change. Most 9-to-5ers are locked into their current work model solely because of insurance. I’d have gone freelance / contract many years ago otherwise.
It won’t go away because it is a sweet racket.