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View Diary: When Can We Expect Health Care Reform (Whoever Wins)? (369 comments)

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  •  Heath 'insurance' isn't insurance. (1+ / 0-)
    Recommended by:
    tnichlsn

    It's turned into something else.

    It almost never covers catastrophic, unlikely risks property -- the only thing you actually should insure against.

    But it does cover lots of routine expenses, which if health insurance were really insurance, would be either paid in cash or provided as a government service !

    Now, I pay for health insurance for two reasons:

    (1) I do get some catastrophic coverage.

    (2) More important, and even more messed up: Doctors' offices, hospitals, and labs treat you really badly if you don't have insurance, even if you're throwing around wads of cash.  

    $10,000/year would be plenty for medical expenses -- except that cash patients are overcharged by a massive factor relative to insured patients, and even if you've got the cash, sometimes they just throw uninsured people out!

    You need "insurance" in order to guarantee that the emergency room will SEE you.  A bank account with a million bucks in it won't get you that.

    -5.63, -8.10 | Impeach, Convict, Remove & Bar from Office, Arrest, Indict, Convict, Imprison!

    by neroden on Sun Mar 02, 2008 at 06:02:01 PM PST

    [ Parent ]

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