So you intend to "shop around" if you have a heart attack? Good luck with that. HC is not suited to capitalism, there is nothing more heartless than the drive to profit from the sick and injured.
Health Care vs Health Insurance.
THESE 2 are NOT the same.
The models are not the same. The RISK retention is NOT the same... This is the biggest problem
In peoples, mind... People see Health CARE as a right.......
the current MODEL is Health Insurance which is a RISK based evaluations. WHICH the current MODEL IT IS NOT A RIGHT
You want health Care you need to change the current Model.
LOOK up insurance. INSURANCE 101 -
Insurance is the "SPREAD if RISK" To substantiate the premium you need to evaluate the RISK..... When we added the "Prior Condition Exclusion" you effectively destroyed the "Spread of Risk" You accepted all risk and devalued the whole system.
Had this conversation with someone, there are 2 types of Health risk.
1) A person that chooses NOT to take care of themselves... proper eating, exercise, self control etc
2) A person that is Hereditary with health issues.
is it FAIR to charge both PEOPLE the same premium with PERSON 1 CHOSE to destroy their body?
American Society has changed and "Gluttony" is no joke, When Milk cost twice as much as a sugary drink. When you go to McDonalds and ask for large coke in the US... Go to Japan their large Coke is like an American Kids size....
HEALTH Insurance.... was risk based, if you are higher risk you go in a certain tier and pay X premium due to your exposure.... you are lower risk, you still pay in but at a different tier...because your "usage/risk" is lower.
Now its Changed to Health Care, where "EVERY" should have health care... but the "INSURANCE" companies, medical fields, hospitals do NOT charge or have their invoicing/services/billings meant for universal care. its STILL RISK BASED charged....
Our system is so @SS backwards and our needs/wants/demands are contradicting..... FIX. the way we evaluated the health market and then figure out how to charge both PREMIUM and SERVICE and we then can have an effective system...
This is where I agree "Capitalism" could be effective.
If you WANT X service.......then you PAY for that service..... meaning, if you can only afford so much.... then if there is a DOCTOR willing to take you for a negotiated amount... you get what you get.
If you can AFFORD the best medical care... then you get it........
LIFE is NOT fair... I will never have a Ferrari..in my Garage... hell I dont even have a garage... I have to find street parking... But is it SOMEONE else's fault and should I demand that I get a Garage and more so a Ferrari? No I get what I can and do the best with what I have.......