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Originally Posted by aceventura3
Health insurance premiums are expensive because medical care is expensive, and medical care has high costs because the system is simply overused. HSAs will give people incentive to limit unnecessary trips to the doctor. As demand falls, so will costs. The laws of economics dictate that a dip in premiums will follow.
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I think that HSA's are one of the best ideas to come along in quite a while to help people deal with their medical costs and I signed up for one as soon as they became available. However I wonder if costs will really fall when trips to the doctors and hospitals decrease or if the cost per visit and hospital stay will just rise in order to maintain current income levels.
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Originally Posted by aceventura3
When people are active in a economic system, the system works well. when people are passive they get exploited. Our current system is failing because people are passive. Why do we let our employers control our health insurance? An employer is more concerned about profits than they are about anyone's health, hence our system has problems for employees.
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That is a good question. Many people from my father's generation worked for the same company for most of their lives (in his case Procter & Gamble) and were taken care of in exchange for their loyalty and dedication with great benefits. The trend today seems to be for most employers to pick up less and less of these costs and to layoff far more frequently. As people pick up more of the costs for medical benefits, the more there will be the perception that something has to be done to subsidize them.