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Originally Posted by Ustwo
One thing most people don't know is that when something is 'free' its used a lot more, and for frivolous things. Thats why you will often find co-pays on insurance even for a very small amount because it keeps people who act like 'free' means 'free to abuse like a open buffet' from over taxing the system.
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I agree, but I don't think co-pays do much to encourage people to shop around for better prices. I believe many people treat insurance paid health care much like an open buffet because after the co-pay they do not care about the total cost.
There must be a better way to reduce costs other than having the insurance companies dictate/negotiate prices to providers. It seems like there should be a lot of money to be saved by getting the insurance industry out of the loop.