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When i think of disruption i think of uber. Rides where none could happen before. What will their disruption be? How about delinking insurance to healthcare.

When i think of disruption i think of uber. Rides where none could happen before. What will their disruption be? How about delinking insurance to healthcare. Let me buy healthcare the day i need it. And nothing the day after i dont. No more having healthy people pay for sick people: no more young pay for the old. Create something we cant imagine; like uber; like Facebook

dna_polymerase 9y ago
Disruption and Uber? What kind of rides were enabled by Uber, that couldn't be done by cab?
- losteverything 9y ago
  My thinking. Cab supply and ease. I work at a retailer where 20-30% more probably) use their phone to get to work. Its affordable and allows taking the job. $5 to get home. Cabs were $11 and importantly unreliable. Have a phone; get a ride anytime. And.. A person i work with finishes her shift and turns "on" her Uber driver mode and instantly becomes a cab. Uber is an on/off switch for cab supply. To me that is very different. Imo before uber one could not even think transportation was easy. Its not the Pepsi Generation it's the Uber Generation
greysonp 9y ago
I mean, you can always pay for healthcare the day you need it. It's just incredibly expensive. And don't forget, one day you'll be old or sick, so I hope you have a lot of money saved :)
- losteverything 9y ago
  Im talking about totally thinking differently, not the current situation. About having a lot of money saved....after a prosthetic implant i added up stuff. $143,000 spent on insurance since 2005. Part employer part me. Up until the prosthetic less than $5k (if that) on health. $143k is almost 3 years pay. I would have rather had it paid to me. Then i would have spent my money for my healthcare
  - danans 9y ago
    > $143k is almost 3 years pay. I would have rather had it paid to me. Then i would have spent my money for my healthcare What would you do in the unfortunate event that you required medical treatment that cost 10x your annual pay (a real possibility)? Absent an insurance policy, who would you expect to pay for that? Or would you instead expect your employer to pay you (and everyone else) the maximum theoretical health care costs you might incur? That's not possible in any system. The point of shared risk pools is to protect people against such extreme outlier costs, and you've been the beneficiary of other people keeping up their end of that contract.
    - deleted 9y ago
      [deleted]
  - gremlinsinc 9y ago
    What if instead... You still paid the money... But it was actually an investment fund like vanguard. If you get sick it pays, it also negotiates cheaper rates for prescription, procedures, copays. If you stay healthy you get most of it back plus interests minus broker fees as retirement when you enter Medicare.
    - dragonwriter 9y ago
      And if you get really sick, especially at a young age...you exhaust it and either go bankrupt or die from not getting needed care, or both, depending on exactly how providers treat people without ability to pay.
whoami_nr 9y ago
"No more having healthy people pay for sick people" This is actually a dangerous mentality to have in a generic sense. However, having a healthcare system where rich(er) people bear the brunt of the poor actually makes sense and has even worked out well in some countries in EU.

dna_polymerase 9y ago

Disruption and Uber? What kind of rides were enabled by Uber, that couldn't be done by cab?

losteverything 9y ago
My thinking. Cab supply and ease. I work at a retailer where 20-30% more probably) use their phone to get to work. Its affordable and allows taking the job. $5 to get home. Cabs were $11 and importantly unreliable. Have a phone; get a ride anytime. And.. A person i work with finishes her shift and turns "on" her Uber driver mode and instantly becomes a cab. Uber is an on/off switch for cab supply. To me that is very different. Imo before uber one could not even think transportation was easy. Its not the Pepsi Generation it's the Uber Generation

greysonp 9y ago

I mean, you can always pay for healthcare the day you need it. It's just incredibly expensive. And don't forget, one day you'll be old or sick, so I hope you have a lot of money saved :)

losteverything 9y ago
Im talking about totally thinking differently, not the current situation. About having a lot of money saved....after a prosthetic implant i added up stuff. $143,000 spent on insurance since 2005. Part employer part me. Up until the prosthetic less than $5k (if that) on health. $143k is almost 3 years pay. I would have rather had it paid to me. Then i would have spent my money for my healthcare
- danans 9y ago
  > $143k is almost 3 years pay. I would have rather had it paid to me. Then i would have spent my money for my healthcare What would you do in the unfortunate event that you required medical treatment that cost 10x your annual pay (a real possibility)? Absent an insurance policy, who would you expect to pay for that? Or would you instead expect your employer to pay you (and everyone else) the maximum theoretical health care costs you might incur? That's not possible in any system. The point of shared risk pools is to protect people against such extreme outlier costs, and you've been the beneficiary of other people keeping up their end of that contract.
  - deleted 9y ago
    [deleted]
- gremlinsinc 9y ago
  What if instead... You still paid the money... But it was actually an investment fund like vanguard. If you get sick it pays, it also negotiates cheaper rates for prescription, procedures, copays. If you stay healthy you get most of it back plus interests minus broker fees as retirement when you enter Medicare.
  - dragonwriter 9y ago
    And if you get really sick, especially at a young age...you exhaust it and either go bankrupt or die from not getting needed care, or both, depending on exactly how providers treat people without ability to pay.

whoami_nr 9y ago

"No more having healthy people pay for sick people" This is actually a dangerous mentality to have in a generic sense. However, having a healthcare system where rich(er) people bear the brunt of the poor actually makes sense and has even worked out well in some countries in EU.