I don't find your semantic games interesting. NHE is what's relevant to the OP's concerns about premium revenue. And NHE isn't being driven by $150 office visits.
Too bad your lack of proper projections is showing how ignorant you can be by trying to project that shortcoming onto others.
"Necessary" is a bit loaded. But the guidelines on evidence-based preventive care are compiled by the U.S. Preventive Services Task Force.
Well maybe you could elaborate on these and demonstrate that these services and the bulk of the costs.
"Evidence based" would imply that you somehow know what evidence means. Perhaps a trip to their web site will reveal... My oh my, what an impressive list. Everybody with skin in the game wants all the good little citizens to contribute to their well being on a steady schedule. Well that pretty much negates evidence. But hey look those good little consumers are represented, wonder if that would be the Federal Death Agency?
. I see it differently. Americans 40 years ago had free market insurance that were for catastrophic situations. It was actual insurance...not healthcare. People were expected to pay for services rendered when visiting a doctor. The insurance kicked in if you were mowed down by a truck or got some horrible disease. However corporations saw an opportunity to attract and keep employees by increasing benefits--paying a portion of an extravegant plan that basically funded overall healthcare. Consequently, Insurance companies veered away from free market private party consumers and focused on the companies that paid the big bucks. The entire healthcare system revolved around employer based healthcare, offering exceptional benefits that couldn't be paid by private party alone. Soon this type of "insurance" wasn't a employee incentive benefit...it was an expectation and for some a human right.. The government under Barak Obama mad e employers responsible for the healthcare of its employees. Employers, by LAW MUST pay for insurance ...even more expensive and over reaching including that make mandatory that 26 age and under children are covered. Private party options disappeared. Eventually under government control, insurance that offered way less benefits then year's past was the norm and unaffordable.
Keep people fed, housed and healthy and you'll reduce crime significantly and subsequently law enforcement costs. Yep and promote productivity. Americans in many parts have lost hope and before you know it your children and grand children will have to sell the family assets to keep a family member alive and then they'll be lining up for food stamps and government welfare all because pops wanted to be a nasty old selfish bigot. It'll get ya, it always does
How cute for you. One assumes that you do not participate in any of the government crop subsidy programs, or agricultural land tax exemptions assuming of course that you are actually on a working or pretend working farm.
YES! I think this plays a large part in the problem. Ever since insurance began paying for everything, we began going to the doctor quickly and constantly. We began saying yes to every yearly test under the sun, many of which just amount to "looking for trouble." Also, people began using the emergency room for sniffles or a throat, just for convenience, when they could just as well go to the doctor on Monday. Bottom line, no healthcare system/insurance company will be able to pay for every single healthcare item without us paying sky high rates. Also, let's stop using the word "healthcare" for "health insurance". They are two entirely different issues.
