Oyabun wrote:Many of the better off population pays for private healthcare also
Which is why the state funded care is not as good as it could be.
Only when private healthcare is banned can there be a fair and just healthcare system.
That does make sense..You cannot have both.
The problem with public (government) healthcare it is usually very inefficient and mainly because there is no accountability . Employees just don't give a shit because they will get paid the same either way whereas in private healthcare there is more motivation to be better at what you do ie performance raises etc That translates into better patient care. Additionally if the private sector performs poorly they can be sued and pay huge penalties for mistakes where as Government cannot be effectively sued or penalized for mistakes.Yeah you can sue but, but collecting the $ is a whole nother story.
Oyabun wrote:Many of the better off population pays for private healthcare also
Which is why the state funded care is not as good as it could be.
Only when private healthcare is banned can there be a fair and just healthcare system.
Generally I'd agree, but you seem to have missed the point.
There's no way to get out of the official healthcare system, so these peeps are paying for the private healthcare services on top of the normal payments to get a better service - and at the same time they are releasing capacities in the state run healthcare by not using it.
I know that the objective of this Obamacare HD been to help those who could not afford insurance or were turned down for insurance because of a pre-existing condition, which is a big problem since almost everyone over 30 has something pre-existing. The problem is that it was put I to the hands of the IRS and doesn't seem to have any oversight, which might explain why most of the insurance companies in our area have now dropped out of the program.
This year (2016) my wife has a $1500 deductible before the insurance would kick in at all. However, for 2017 it has now gone up to $5500! She may as well not have insurance! For 2016 so far her total medical bills, of which many were paid by the insurance companies, was only $1245, after the deductible. That means her entire year of treatment has cost $2745. However, her monthly premium is a little over $200. To me that was a fair match. $2400 in premiums plus $1500 deductible is $3900 for the year. The insurance company made a profit of $1155.
Now let us look at the coming year, using the 2016 figures. Her monthly premiums will now be $300 per month. Her deductible will be $5500 before the insurance will kick in at all. If her medical bills for 2017 equalled those of 2016, then they would be $2745. So, she would pay $3600 in premiums plus the entire $2745, and the insurance company would pay out ZERO, giving them a profit of $3600 without them even having to pick up the phone, while we would pay out $3600 plus the $2745, or $6345! It would be cheaper for her to NOT have insurance, except for the problem that the IRS will TAKE it from us whether we want it or not. No country with socialiced medicine as that problem.
Using this same concept, if General Motors was having problems selling cars, they could just ask our government to force everyone to buy a General Motors car. Since when did the government get the right to force you to buy from a private company, even if you don't want to?!
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