You’re still just adding more regulation. More complexity and spaghetti laws aren’t going to solve things. Pre 1970s healthcare costs were in-line with the rest of the world. Revert the push to corporatize and socialize and we’d have cheaper care.
The fact employers pay for healthcare isn’t an issue. Who cares? It’s just part of compensation. I can take my money and do the same thing. No one will btw, they’d just buy cheaper insurance and have a higher out of pocket expense.
End-of-the-day Medicare and regulatory capture is the issue. I can’t go to my local store and get antibiotics, even if I have a test showing strep. Instead, I have to go to a doctors office. A doctor who is intentionally being made scarce (ie driving up demand). Then I get my antibiotics, but they request a follow up.
No amount of insurance wizardry will fix that scenario. You have to deregulate to fix it.
i do think, Insurance companies will insist you follow their rules to cut their costs. Making healthcare worse for you. Even if you were to deregulate, insurance will still be able to apply pressure. IMO ban insurance outright for medical related items. You have a right to medical privacy and the idea insurance is required is BS.
It will cost more than the package negotiated by your employer since you are out of the group-rate.
Which means it isn’t actually a free market choice with competition.
Applying free market choice to the healthcare itself sounds great but it’s difficult to make such choices when unconscious in the back of an ambulance, or after a drug company or doctor causes you permanent injury or death.
The fact employers pay for healthcare isn’t an issue. Who cares? It’s just part of compensation. I can take my money and do the same thing. No one will btw, they’d just buy cheaper insurance and have a higher out of pocket expense.
End-of-the-day Medicare and regulatory capture is the issue. I can’t go to my local store and get antibiotics, even if I have a test showing strep. Instead, I have to go to a doctors office. A doctor who is intentionally being made scarce (ie driving up demand). Then I get my antibiotics, but they request a follow up.
No amount of insurance wizardry will fix that scenario. You have to deregulate to fix it.
i do think, Insurance companies will insist you follow their rules to cut their costs. Making healthcare worse for you. Even if you were to deregulate, insurance will still be able to apply pressure. IMO ban insurance outright for medical related items. You have a right to medical privacy and the idea insurance is required is BS.