Sir Xsarus wrote:
Gbaji, I would have to say my major criticism, is that I don't see the insurance industry as being created by the government. It's a private industry, and I think is honestly pretty inevitable. Initially I'm sure they just offered insurance, but then to get more customers added little things like doctors visits all wrapped into a package. I'm not overly familiar with the evolution of the medical system in the states, but I'm pretty sure most insurance companies aren't run by the government. If they are the result of private enterprise, how do you propose we get rid of them?
You're correct. Some insurance plans did include additional medical services, based on their customer base, the cost, and presumably a number of other economic factors. And, if the current system were the result of normal market forces, you'd have a point. But it isn't. With the introduction of the Medicare/medicade systems in the mid 60s, and the HMO Act of 1973, the government placed requirements on both sides of the financial equation.
While the providers themselves are "private", the customer base is more or less guaranteed. In a free market, both sides (seller and buyer) act as a check against each other. The seller must provide the correct combination of service and price to satisfy the needs and wallet of the buyer. The buyer must provide sufficient payment to make said combination profitable for the seller. When the government steps in and mandates that buyers must buy and puts requirements in place to control what the seller must sell, it's no longer a free market controlled industry. Predictably, the prices will rise and services will come to match political and not economic (or even medical) needs. Which is exactly what has happened.
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I don't think your solution is really feasible.
Of course it's feasible. It just happens to eliminate some assumptions about health care which you've likely carried with your your entire life. No one owes you free health care and the more we try to change that truth the more we increase the total cost of the health care itself. Which in turn means that more people can't get it without government intervention. Gee... I wonder why anyone would cook this plan up?
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Another thing I'd like to point out, is that even if your solution was workable, you didn't address the issue of people who can't pay, although I suppose the government could act as insurance, and pay for a checkup a year or something for the set of people unable to obtain their own.
No one owes you free health care. I know that you have been taught otherwise, which is why this seems so strange to you. If you can't pay, you don't get care. What about this is confusing? Remember, medical costs for basic things have increased dramatically as a result of the government regulated system. Eliminate that and anyone could afford such basic care out of pocket.
When doctors are not part of a huge health care system with government regulation, they can choose how much they charge to each patient. This gives them the freedom to charge some less than others based on ability to pay. If they're part of a larger health system, they have to account for every hour of their time, every tongue depressor, and every pill. They can't not charge everyone the same bloated cost. This is what has priced basic health care out of reach for most Americans. By trying to make health care more available to everyone, we've made it
less available and more expensive.
That's how a truly free market health care system works. We haven't had one for probably your entire life, so you just don't know how it used to work.
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It seems most people agree that the insurance system and the overhead involved is a problem.
Yes. So lets eliminate it. Or, at least the government controls on the system. Eliminate the rules which require employers to provide health care to employees. Let them choose to do so or not. Eliminate laws regulating the type of care which must be provided. Let the market decide what they provide and who buys it. When the government mandates what is sold and who must buy, why are we surprised when the result is bad for everyone?
Edited, Jul 28th 2009 3:59pm by gbaji