The Real Problem With Health Care In America

Read the definition again. Has nothing to do with socialism or government control. That is just a fantasy of the clueless that don't understand that healthcare has never been a " market" anywhere in the world. Only difference is most other developed countries have figured that out and developed systems that deliver better healthcare than in America at a much lower cost than America spends.

 

You are babbling. Emergency room heathcare doesn't even begin to deal with serious issues like cancer or heart attacks or any other condition. And Let me know when this concierge GP plan you are pretending is real insurance will pay for the big enchilada.

 

Yes, it does. There are no free markets in our Republic. Congress commands fiscal policy and the Fed commands monetary policy in our Command Economy.

 

the healthcare sector is a market just like any other market.

 

Did you bother to read what I wrote before you decided to address something I didn't say? An HSA with a wrap around insurance policy would be the answer for anything more severe than the clinic could handle. That would cover emergencies and big ticket items like cancer and depending on the policy you select, the clinic subscription could be paid for out of the insurance deductible.

 

Yes I read what you said and this is exactly what you said:


"So couple the subscription for primary care at the clinic with a high deductible HSA for emergency services, returning insurance to its intended function of defraying costs for catastrophic events."

Let me know where it said anything about a " wrap around insurance policy" .

 

Read the definition one more time and then try and explain how emergency care or catastrophic incidents where the cause and treatments are not yet determined can possibly meet the definition of a market.

Here is the definition one more time. Just to make it really easy for you tell me how service for a medical emergeny can possibly fit any part of the definition.

An actual or nominal place where forces of demand and supply operate, and where buyers and sellers interact (directly or through intermediaries) to trade goods, services, or contracts or instruments, for money or barter.
Markets include mechanisms or means for (1) determining price of the traded item, (2) communicating the price information, (3) facilitating deals and transactions, and (4) effecting distribution. The market for a particular item is made up of existing and potential customers who need it and have the ability and willingness to pay for it.

 

How did " free market " enter into the discussion or is that just your attempt to sidetrack into politics.

 

A high deductible HSA insurance policy is a "wrap around insurance policy". The subscription clinic for all the routine stuff and a (here's another way to say it) High Deductible Health Plan with a Healthcare Savings Account for the big stuff. You could actually forgo the subscription clinic with the HDHP and HSA since your HSA would pay the deductible for your regular office visits. I believe the clinic would be a more economic way of handling the routine stuff but it wouldn't be necessary.

Its my opinion that medicaid/medicare should be replaced with individual HDHP/HSA policies. If government funded the HSA for medicaid and then let the individual keep what he didn't spend out of the savings account after a certain "vesting" period, you might spur people to make wiser, more careful healthcare decisions, decrease fraud, increase competition in healthcare and potentially help lift some people out of poverty by providing them with a savings account that could grow over time.

 

We have the good services of the insurance sector, to specialize in that specific division of labor.

 

true capitalism.

 

Bet you can't actually define the criteria for " true capitalism"

 

Non answer ignored for lack of content!

 

The health care sector does not operate in a vacuum of special pleading like the right wing.