Health insurance as it stands is doomed to fail because it's set up to jack prices up with no end in sight. Sooner or later, it WILL become too high for anyone to afford and collapse. Maybe not today, maybe not tomorrow but it can't last.
The best way to understand it is to apply the logic used to something else. What if we ran our food that way? What if you had groccery insurance rather than simply paying for it directly yourself? Sound convenient? Think again
If that was the case, you wouldn't care what your grocceries cost because you're not directly paying for it. Why buy cod when you can buy halibut? Why shop around? Why use coupons? Why look for sales? Heck, go nuts! Take whatever you want. Your insurance company is paying for it.
Are you starting to see how this could very rapidly get expensive? That's why healthcare has gotten so expensive. It's not because the medicine companies are meanies. It's because the system is set up to drive up the prices and there's no competition to drive them back down. People think it's terrible to charge people money for medical treatment but that's a fact of life. Doctors and pharmacists DO need to eat and pay for their education. There's no such thing as a free lunch. Free isn't free. Get that idea out of your heads now.
Now, people like to hype us Canadians up as having the solution but I will tell you right now, Micheal Moore is full of it. First of all, our healthcare is NOT free. We pay for it in taxes. In essence, it's not that different from yours. People who don't get sick pay for people who do, same thing. Just like the US's system too, it's monopoly run so the cost goes up and the quality goes down because there's no competition to keep it motivated. Worse yet, government run healthcare means rationing. I'm sure you've all heard the horror stories of people having to wait 6 months to see a specialist. Many go to the US for treatment because under our system, they're going to die before they can get help. I wanted to see my doctor when I had the flu last year. It took two weeks to get to see him and by then, it was cleared up anyway, defeating the whole point.
So in Canada, cost still goes up, quality still goes down and there's less and less to go around. No folks, ours is NOT the solution either.
I get slammed for suggesting we snip out the beaucratic dead weight in healthcare and let it run itself but to those who object to that view, ask yourself this. Why don't we run the food industry the same way? It's an essential service too isn't it? What about clothing? What about housing? Heck, if it works so well, why not do it to everything?
Who do you want deciding who lives and who dies? Insurance companies? The government? Or should it be you and me? Think about it
A video on social security
In short, Social security is a Ponzi Scheme, nothing more. Worse yet, they've made promises they won't be able to make good on in the near future and our generation is the one that's going to be short changed.