I've been saying for years that something along these lines will be the only way to fix healthcare.
Get the federal government, insurance companies, and employers out of it. People can negotiate directly with healthcare providers to purchase a healthcare contract. You pay them a monthly fee, and they fix what is wrong with you. You'll be able to purchase "Cadillac plans" or catastrophic plans; the choice will be yours. The healthcare contracts must include hospitalization and surgery in their plans. If they don't provide that directly, they must have an arrangement with a hospital system.
The states can figure out how to handle the safety net and minimal oversight. With 50 states trying various approaches, there will be some innovative ideas come forth. Personally, I'd like to see them privatize that too.
-The power of choice and negotiation is back in the hands of the individual
-The free market will work it's magic, and we'll see costs plummet and providers will be jumping through hoops to ear our business with fast and polite service.
anybody over age 30 who wants to sell medical insurance like car insurance or compares it to that and privatize it only evidently has no preexisting conditions and has a million stashed somewhere to see it blow in a months time during a humbling medical crisis.
Cars are not people. Not having any public hospital would have a detrimental effect on teaching hospitals where doctors really learn medicine before they practice on people.
If this goes through like car insurance, you will see preexisting conditions and rates so high after they rank all your illness or conditions that yes you could buy insurance if you had the astronomical amount of money they want monthly premium for.
You're right, medical plans need to have hospital and surgery but there are other things like physical therapy, occupational therapy, speech therapy, urgent care, home health care, long term care, etc that is needed alot of times.
Its not cut and dry as in car insurance.
What will happen is that you will see medical providers get out of the medical field if all this ensues because they do have to keep the lights on, pay for research, pay for practicing themselves and employ anxicillary staff.
nobody will be able to buy insurance, they will get discouraged and not go see about their health and the population/community as a whole will suffer with a bunch of people who are not healthy.
And with car insurance, your premium goes up when you have an accident. So, with that proposal of medical insurance theory, rates will climb like crazy for the very people who need it the most.
Its a mess for sure.
