No, dip shit, home owners insurance, auto insurance, health insurance, malpractice insurance, life insurance, etc. etc. Any variation of insurance you can think of is fundamentally the same. I have a risk. I'm willing to pay someone to take on that risk. Someone else is willing to accept my payment to take on the risk.
That's insurance.
Once you start introducing preexisting conditions, etc., you're no longer talking about insurance. You're talking about discount medical payments. No person in a free market would be willing to take on the risk, because the risk of loss is 100%. The only way I'd provide auto insurance to someone who already wrecked their car is to charge them premiums equal to 100% of what I'd be reimbursing them. The only way I'd insure someone who's house had burned down is to charge them 100% of replacement value. It's mind numbingly stupid to use the word insurance and introduce preexisting conditions. The word insurance loses all meaning when you're talking about transferring the risk of a 100% certainty.
So there are two groups of people in this country. Those that can get actual insurance giving meaning to the word, and those who cannot find a willing party on the open market to accept the risk of them getting sick.
The government SHOULD be there to backstop those who can't get insurance on the market.
Just because the system is broken doesn't mean we necessarily must operate within the parameters of that broken system. That's for small minded liberals like you.
The healthcare system is fvcked at it's core. The government has ensured there is no free market. I can't look up the prices of procedure online. I don't comparison shop. I have a small tax deductible HSA but my medical expenses need to exceed 10% of my AGI to be tax deductible. Notice I haven't even gotten to insurance.
We needed health care reform - For example, require doctors to post prices as a condition of being licensed. Expand the use of HSAs and the tax deductibility of OOP medical expenses. Allow people to comparison shop. Then we needed to tackle fixing the insurance system for those who can actually participate in the insurance system - allow people to shop for insurance across state lines. Allow individuals to deduct medical insurance premiums, not just businesses and self employed. Expand the use of high deductible HSA based plans. The last step always should have been fixing the system for those who cannot participate in the free (once its fixed) market health insurance system - this would necessarily be a government safety net. That order would ensure we made it better for everyone. That could have been done with minimal laws and regulations everyone could have read. Small incremental steps. You can't fix a problem this big at once.
But, no. As with all dumbass big government programs, we started with the last step. Rather than incrementally fixing the system to make it better for everyone, you jackasses decided to make the system worse for most.
So here we are. You're dumbass "health care reform" was a bullshit reform of what were the insurance markets, addressed none of the fundamental problems with the healthcare industry, and now you sit here trying to convince us all you know the solutions while using words you fundamentally don't understand.
In sum, all you lefties can get fvcked. I hope you're all the first to lose your discount healthcare payment plans when Obamacare collapses.
Ok, buddy. Get one of your GOP buddies to propose what you state. Your team controls the WH, the house and senate. Go for it!
Funny that GOP healthcare...call it Trumpcare, Ryancare...whatever you want was basically 90% Obamacare. So you can take all your shots at "liberals" you want but you're getting no closer to solving a problem because the POLITICAL REALITY is that regardless of who controls any branch of government, nobody is going even propose ANYTHING like what you suggests.
So again...rant all you want. Blame it all on "liberals"...your head is in the sand. It isn't a "liberal" problem. It's political and social and ethical reality.
High deductible plans only work for people who actually have the cash to pay their deductibles. I have a high deductible plan. I've actually reached my MOOP the past two years, did it on Jan 3 this year. But you're going to have to explain how and why people who won't save for retirement, won't or can't save for their kid's education, don't have $1000 total between their checking account and savings account...how/why they are going to save money for future medical bills?
Are you going to stop them from going to the ER when they need care?
Are you going to dispatch EMTs when there's a wreck on the highway and have the EMTs find proof of financial responsibility before transporting the injured to the ER?
Half the fvcking people in this country don't pay federal taxes, so how is tax deductibility going to help them? Anyway, a tax deduction is a subsidy that is worth more to people who earn more than those who earn less. Why should I subsidize your healthcare???? You are all into financial responsibility, how dare you ask for a tax deduction.
The healthcare genie is out of the bottle and is never going back. Medicare is never going away and because of that you can never get the reform that you suggests. Again, your argument ignores the herd of elephants roaming in the room.
Every time we have argued this subject you ignore the fact that care is delivered regardless of ability to pay. You ignore that those things that could be shopped total up to be a tiny piece of the pie. You ignore that for a large segment of the population that have at best one resource from which to receive care so they have no viable options between which to choose.
The world you describe left us 50+ years ago.
If the world that has existed for the past 50 years had not existed, medical technology and treatments wouldn't be where they are. But we have them. Cancer treatment wasn't very expensive 50 years ago because it essentially didn't exist. It does now. It isn't the $500 colonoscopy or $150 office visit that has blown up healthcare costs/insurance or whatever you want to call the thing commonly referred to as healthcare insurance. It's the $150,000 - $250,000 cost to treat cancer or heart disease/strokes/attacks. When I was 13 I broke my femur, spent a month in the hospital in traction. Total cost was about $2500. Today you can't be admitted to a hospital for less than $10,000 a day.
To supposedly be a lawyer you make a terrible argument because it's one based upon fantasy.