5 ms·

All health insurance companies need to die. They are all crooks and frauds and are using an outdated system in our country siphoning money from families.

Spivak 3y ago
This opinion isn't actually all that drastic. If we just got people on the HSA + disaster coverage* train a lot of the issues with the system would disappear. I am far far from the cheapest patient but my annual spending doesn't even get to 50% of my portion of the premiums of my employer's PPO plan. * Where if a doc prescribes insurance pays for it no questions asked (to you the patient). They can claw it back from the doctor if they think it's excessive. I think for disaster only coverage you could successfully pass laws to this effect without insurance companies starting a third world war.
- wildrhythms 3y ago
  Why would your ideal solution still involve insurance? I think most people want the hospital (they don't care who runs it) to send the bill to the government. That's it. And if the state or federal government wants to set up a system of oversight over the charges, then good.
  - lotsofpulp 3y ago
    > And if the state or federal government wants to set up a system of oversight over the charges, then good. That is what happens now. See Medicare/Medicaid/Tricare/federal government employee plans/etc. That is why health insurance companies are better referred to as “managed care organizations” (MCOs). Most importantly, they are selling a plausible deniability shield to government leaders. The government is paying for healthcare, but since there is insufficient supply of healthcare, someone has to get shafted. Using the MCOs to do it lets government leaders point fingers.
SlightlyLeftPad 3y ago
A-f**ing-men
whoitwas 3y ago
I don't think it's outdated. It was always designed to steal money. It's an obvious inefficiency in the system.

Spivak 3y ago

This opinion isn't actually all that drastic. If we just got people on the HSA + disaster coverage* train a lot of the issues with the system would disappear. I am far far from the cheapest patient but my annual spending doesn't even get to 50% of my portion of the premiums of my employer's PPO plan. * Where if a doc prescribes insurance pays for it no questions asked (to you the patient). They can claw it back from the doctor if they think it's excessive. I think for disaster only coverage you could successfully pass laws to this effect without insurance companies starting a third world war.

wildrhythms 3y ago
Why would your ideal solution still involve insurance? I think most people want the hospital (they don't care who runs it) to send the bill to the government. That's it. And if the state or federal government wants to set up a system of oversight over the charges, then good.
- lotsofpulp 3y ago
  > And if the state or federal government wants to set up a system of oversight over the charges, then good. That is what happens now. See Medicare/Medicaid/Tricare/federal government employee plans/etc. That is why health insurance companies are better referred to as “managed care organizations” (MCOs). Most importantly, they are selling a plausible deniability shield to government leaders. The government is paying for healthcare, but since there is insufficient supply of healthcare, someone has to get shafted. Using the MCOs to do it lets government leaders point fingers.

SlightlyLeftPad 3y ago

A-f**ing-men

whoitwas 3y ago

I don't think it's outdated. It was always designed to steal money. It's an obvious inefficiency in the system.