I hate health insurance

[Jericho]

Let me just say, as an American, I hate dealing with health insurance. The whole thing is a complicated, bloated mess that causes nothing but headaches and problems. Once health insurance was introduced, it caused prices to skyrocket because if hospitals know insurance is going to pay the majority of the cost, then of course the price of the services will naturally increase over time. So, even though health insurance is not technically mandatory, you're forced into it, which means more money out of your pocket. Insurance is a business, and like all businesses, their primary goal is to make money, not to look out for your best interests. When it's time to pay out, they don't always want to cooperate, and you have to fight for what's yours. The whole system needs to be scrapped. Insurance should be reserved for catastrophic events, not for every time you need to go to the doctor. If it was done this way, hospitals would need to compete, which would drive the cost down dramatically so that insurance wouldn't be necessary at all except for maybe something major.

 

[Rockerduck]

Let me just say, as an American, I hate dealing with health insurance. The whole thing is a complicated, bloated mess that causes nothing but headaches and problems. Once health insurance was introduced, it caused prices to skyrocket because if hospitals know insurance is going to pay the majority of the cost, then of course the price of the services will naturally increase over time. So, even though health insurance is not technically mandatory, you're forced into it, which means more money out of your pocket. Insurance is a business, and like all businesses, their primary goal is to make money, not to look out for your best interests. When it's time to pay out, they don't always want to cooperate, and you have to fight for what's yours. The whole system needs to be scrapped. Insurance should be reserved for catastrophic events, not for every time you need to go to the doctor. If it was done this way, hospitals would need to compete, which would drive the cost down dramatically so that insurance wouldn't be necessary at all except for maybe something major.

Many years ago, at least one Hospital in big cities were free, paid for by the city. The family doctor would take care of you in the hospital. Family Doctors delivered babies and operated on you back then. It was the medical colleges that drove ideas of specialized medicine. One doctor will refer you to another. They also sold the Ideas to companies for Health care to bring doctors more patients. I'm sure you've heard of in network doctors. 15 or 20 yrs ago medical schools started giving courses to doctors how to make more money prescribing drugs and receive kickbacks from drug companies, who are involved in hospitals now, giving kickbacks. Do you remember the oxycodone overdoses in the news? Yes, doctors learned how to make money that way. Instead of learning how to eat right, doctors are now prescribing, lets say, a blood pressure medicine. You can change your diet and never be on it. That's a fact. Health care costs and insurance are now big business and hire doctors now and in the business of denying claims, that you pay for.

Yes, I agree with you, High deductibles will drive insurance costs down. Obamacare did that, guess what, some hospitals closed up. People did not go to the hospital because of the high deductible. Hospitals were losing money and begging the gov't to bail them out, until Trump took office the first time and told the insurance companies to take a hike. Guess what, low-deductible insurance came back as it is today. Now insurance companies are trying to nickel and dime us on everything. I've spent more time talking to insurance companies after covid than I did before covid. I have always said, it was like a switch was turned on during covid because after, nothing is the same.