Quote:
Originally Posted by Nate the great
When I pay for insurance, I will not be a free rider; I will be paying for myself. Nor am I a free rider right now; I do not need medical care. (If I did, I would be up s*** creek; but I don't.) BTW, if I did incur costs I would pay for them out of my own pocket.
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I don't think that it matters what we do about health insurance until we can lower health care costs. For example, malpractice insurance that Drs pays keeps rates very high. There's got to be a better way to protect people from quacks without using the legal system. Here in FLA we put a cap on litigation a few years ago... but I don't see that it has done anything for our health care costs.
If health care is more affordable more people would be able to afford it.
Another thought is that preventive care could be subsidized where emergency care would be insured. Emergency care insurance is usually much cheaper. Also, if people are getting regular check-ups and such then things don't become worse and more expensive to deal with. Also, we perhaps could encorage people to stay healthy. If you smoke, drink or are over weight you pay a higher co-pay or something.
I don't know, it is not an easy problem to solve.
BOb