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> For everything else, though, I'd be much happier if I could just have a price list up front and shop for the provider of my choice. Well the price list shoul
by mehrdadn 7y ago
> For everything else, though, I'd be much happier if I could just have a price list up front and shop for the provider of my choice.
Well the price list should be up front, but that's the case regardless of whether you're paying for all of the care or just some of it.
> Emergency care is what insurance _should_ be for - the stuff you can't plan for, must have, and can't comparison shop for.
Wouldn't that discourage preventative care?
- cheald 7y ago> Well the price list should be up front, but that's the case regardless of whether you're paying for all of the care or just some of it. Agreed. > Wouldn't that discourage preventative care? At the margin, yes. OTOH, paying less in insurance premiums and known/lower costs for services would leave more money for elective care (or whatever else you wanted to spend it on), which would apply pressure in the other direction. Most routine preventative care doesn't have to cost particularly much. Additionally, there's no reason why we couldn't have pooled cost systems for routine care like our existing insurance plans today for those that prefer to amortize their costs, but IMO, they should be separate from emergency care. Emergency care insurance isn't practically optional.