I have always been more of a proponent of sliding scale (based on income, family size, etc) health care, that would have a minimum level and eventually a maximum. While 10% of someone's $25,000 annual income may not seem much to some, 10% of someone's $1,000,000 annual income is quite a bit for the same service. So they should have a maximum pay where the sliding scale tops out at.
I think healthy people should have certain incentives, like safe drivers. However, that poses a serious potential problem. If I am sick and I don't want my health care premiums to go up, I don't see a doctor.... but if those problems get worse and I went from bronchitis where some antibiotics and Albuterol would have cleared it up relatively cheap to now having pneumonia and it costing the insurance and myself a lot more, was staying away worth it?
I really like a sliding scale, where no one except the financial department knows how much you are paying and there is no mention of insurance at all. That way the hospital doctors will do what they need to do, not what is covered and the bare minimum.
Now, if you want insurance to supplement what you would have to pay... I think that something would eventually appear in the market for people to buy.
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I just love people who use the excuse "I use/do this because I LOVE the feeling/joy/happiness it brings me" and expect you to be ok with that as you watch them destroy their life blindly following. My response is, "I like to put forks in an eletrical socket, just LOVE that feeling, can't ever get enough of it, so will you let me put this copper fork in that electric socket?"
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