Exactly what I was explaining. Insurance is socialistic in nature. Insurance companies pool the premiums from a bunch of people, and then they redistribute the money on need bases. While I get that our current system isn't forced (at least not until Obummercare), that doesn't negate the reality that insurance in itself is a socialistic enterprise, even if it is voluntary and for profit.You pay someone, in this case a company, to take some of your risk for a thing that has not yet happened. If it has happened it is no longer a risk. Companies use statistics to determine how much risk they can "buy" for a particular fee.
I totally agree. that's what I am trying to explain, what we have now, the prepaid healthcare plan, isn't really the normal purpose of insurance. It's like buying auto insurance and expecting the insurance company to cover the cost of gas and oil and normal maintenance.What all of this idiotic healthcare is today is prepaid services.
I agree that we should get government out of healthcare, however as it is, even with Obummercare, we still ahve a wide variety of products to choose from, and a wide variety of prices. Maybe you should shop around for insurance some, so that you can see there are zillions of different options - even on the healthcare.gov site.If we could get the government completely out of health care we would have a wide variety of products to choose from across a wide variety of price points.
Yep. The prepaid healthcare plan, which we both agree is socialistic, drives up costs because it removes the motive for price competition between healthcare providers. That's exactly what we need to get away from, regardless of Obummercare (we had these prepaid plans long before Obummercare existed).It is socialism that drives up cost, lowers quality and makes a very great many of us angry.
Our only healthcare crises is the cost of healthcare, and insurance isn't the solution, it's actually the biggest problem. I totally agree that government policies have created this monster, but it didn't just start with Obama, it started decades earlier. Yes, we should get rid of Obummercare, but we also need to get rid of virtually all government involvement in healthcare. Prices and the level of care and what treatments are given should be between the patient and the doctor, and government and our employers have no business being involved, they simply shouldn't be a party to my healthcare decisions, any more than they should determine what I eat or who I marry or what type of car I drive.