Yes yes yes. I could rant forever about this-- it seems like nobody gets why this is bad. It's like everyone forgot what insurance is supposed to be for. You do

Yes yes yes. I could rant forever about this-- it seems like nobody gets why this is bad. It's like everyone forgot what insurance is supposed to be for. You don't get your brakes fixed with car insurance. You don't re-shingle your house with homeowner's insurance. Why would you get vaccines or routine care with health insurance? The fact that health insurance works like this is doubly bad, because not only does it raise the cost of health insurance, it also raises the cost of healthcare itself because consumers are no longer price sensitive at all. If healthcare consumers at large (that actually have money) were exposed to the price of healthcare, hospitals and doctors offices would be forced to compete on price for more routine procedures. Think about how even complex elective procedures like Lasik or Lipo-suction are comparatively cheap. That's because the providers must compete on price. This could be the case for routine care if healthcare consumers could be exposed to price.