Question:
Why health care insurance is so expensive in the US ?
Answer:
1. It is so expensive mainly because health insurance is not compatible with
business practice at the fundamental level.
2. Because when a person have insurance (employed) he does not have time to
take care of his health (employer pressure) while when he have time
(unemployment) he have no insurance to take care. When he finally visit a
doctor he is into a very advanced stage.
3. Because private insurers loot more than half of the money. Countries with
universal health care pay less than half for a much better coverage.
Uninsured people on streets are very effective germ vectors.
4. Because gov. refuse to investigate skyrocketing prices for drugs
despite the fact that the costs goes down.
5. Because Americans are overworked and overstressed lacking decent social
safety nets. We also lack enough time for outdoors being the country with
the smallest number of vacation days from the western world.
6. Unhealthy fast food, cities designed for cars only. Unless Europe where
you can live a lifetime without the need for a car, in US 97% of the urban
area are not accessible without a car. No neighborhood stores or businesses
on the street where you live, but all of them concentrated in business area
of the town, 5 miles away.
7. A strong fanatic extreme right wing (libertarians and republicans) who
are stuck in obsolete idea and claim that the free market can help cutting
the costs of health care.They do not.Only an universal health care system
as the rest of civilized world can help.
I read the first 2 paragraphs to understand the stupidity inherent
in it. Stupidity on steroids.
1. The protection racket
Health care is expensive because of illegal aliens and other
poverty ridden people who get free care (as it should be) and that
cost is paid by the middle class as we pay our health insurance
premiums. The medical practitioners and providers do not
work for free and the drugs and other supplies are also not
free. Only the middle class pays health insurance premiums
because only the middle class is driven into poverty by illness
if they don't pay this money to the brief case carrying insurance
salesman. Bill Gates will not be able to find any rational way
to purchase a health insurance policy. In the current system,
all will get care. But the poor will get it too late and the middle
class will get it only after they have lost all their life's savings
or only if they provide for the poor by paying outrageous
health insurance premiums. Meanwhile the very rich simply
criticize the rest of us for not being rich.
2. The employers union
As much as employers whine about having to pay portions of
health insurance premiums for employees they are the first
to scream when anyone mentions doing away with the tax
subsidy that underlies their "hook in the ass" of the employees.
Changing employers will cost you a ton. You have to wait
to be "vested" with the new employer and you lose any
gains you might have accumulated against a "deductible".
It is a means to limit labor mobility and thus limit the "market"
for labor.
3. The blood suckers
Last but not least is the support of an entire layer of unnecessary
cost in the guise of the health insurance industry. These blood
suckers perform no service whatsoever and they profit by finding
ways to NOT pay benefits and by finding ways to select people
who have less need for medical care.
