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Why do so many see health insurance as a necessity? I see it as a legal bookie service and nothing more, just add to the cost of our health care.
Gogo- I said nothing about government in my question.
Shovel – What do they do with all the money they get from their customers?
They use it to place bets, just like Wall Street.
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March 22nd, 2010 at 9:05 am
Health insurance is the result of government meddling in the market during World War II. Wage and price controls were implemented so companies offered "benefit packages" to attract workers since wages were capped. The entire system, which democrats demand be fixed, is entirely the fault of democrat administration meddling in the market in the first place. Would you like to take a wager that a democrat administration will make the situation any better by more meddling in the marketplace?
March 22nd, 2010 at 9:05 am
Health insurance doesn’t do a surgery on you, they pay for the surgery.
March 22nd, 2010 at 9:05 am
So you are saying it would be better to let the government hold that money instead? Yeah….When’s the last time your senator performed surgery?
March 22nd, 2010 at 9:05 am
Insurance is about pooling of risk. Is is a hedge, the opposite of gambling.
March 22nd, 2010 at 9:05 am
Better a doctor than a bureaucrat.
March 22nd, 2010 at 9:05 am
Good point. With insurance, we all pay into it, and unless we use it, our hard earned money is going to someone else. It would be nice it actual health costs were more reasonable, then people could just pay for them as they need them. But there is too much money in insurance for the companies involved.
March 22nd, 2010 at 9:05 am
Private, for-profit insurance functions as the exact opposite of a bookie service because of the profit motive. This is why we have a market failure in health insurance.
Picture a bookie service that ONLY took bets from the people who were always picking the winners. It would mean the bookie service was always paying out with no base of losers to finance the winners. They would lose money. Bookies need losers to finance the winners.
The health insurance industry avoids "winner" risk (people who need health-care payouts) with adverse selection. They pick the healthiest people (the equivalent of a bookie’s "loser" since they never need a health-care pay-out) to insure because they are the most profitable. The most ill go into public plans like Medicaid and Medicare.
Americans pay for three types of insurance; private, Medicaid and Medicare.
It makes more sense to have a single pool of risk; a single-payer system, to spread the risks, lower costs, insure everyone and improve our health-care outcomes.