> It's accurate that what we have is not insurance. Real health insurance would look more like life insurance, with fixed premiums that can't increase if your h

> It's accurate that what we have is not insurance. Real health insurance would look more like life insurance, with fixed premiums that can't increase if your health degrades over time. That is what I have. It is called a “hospital plan”. It only covers me when I am in an accident and need to go to the hospital. And it is amazing what cost savings it induces over people with full blown medical schemes. I found that things such as spectacles is over priced by 300%-400% (you can get away a lot cheaper). Dentists will take useless digital x-rays to rape a medical scheme – and most people don’t mind because they aren’t paying for it. Doctors also take useless digital ex-rays (for any slight back problem) - even though they aren’t experts and will only look at it for a few seconds. Doctors sometimes prescribe the newest (and most expensive) anti-biotic instead of a cheaper thing that will also do the trick. Paying out of pocket eliminates all that.