My willingness to consider further government intrusion into the health care area is not without considerable apprehension and a degree of personal animosity. As I mentioned above growing up, we had health insurance before our employer provided it, and I paid for it myself as well, as a necessity - and it didn't cover near what it does now, mostly just catastrophic illness requiring hospitalization, surgery, etc. Medicine, regular doctor's appointments, X-rays other than in the hospital, were on us.
So, the fact that people today don't care enough to get insurance, even when it is subsidized by the government, as in Obamacare, is symptomatic of an unwillingness to forgo immediate consumption for longer term security - and hope for magical solutions to pay for any out of sight, mind future need.This gripes me.
That's a far cry from your instance of people losing their insurance over situations beyond their control and running into problems with qualifying for it later with pre-existing conditions, and paying for it. I don't blame the insurance companies, as easy as that might seem to do. Insurance is based upon risk assessment. Sure, companies could eliminate pre-existing condition exclusions, and soon, as many people people did not pay for insurance until they needed it, quickly go out of business - screwing over, incidentally, the folks who HAD been paying out of pocket, or receiving it in payment for their employment services for years.
That said, I've already touched on the massive increases in cost that new technology has brought about, which has tilted my thinking a bit.It has long passed the point where ordinary people could hope to pay personally for catastrophic care or the best medicine - something that can happen even WITH insurance I might add when you are talking about brand name drugs.
Frankly the situation has been made much more difficult to solve reasonably by years of mandated insurance coverage far beyond the catastrophic level it was originally premised upon, and into the realm of prepaid, seemingly limitless subsidy for every little thing.This also creates a sense of ever increasing entitlement. It's not just the expensive new therapies that have raised costs; the very fact of insurance has raised costs, because providers can charge what insurance will pay, along with, of course, the mandates that must
be paid for
Obviously, I am conflicted, and there are other things that I've not even begun to touch upon and won't.... It will not be an easy fix. I would rather some of the more obvious needs have been met gradually with more targeted bi-partisan solutions, instead of what happened shortly after the term of our last president began, but I've promised myself to stay out of political arguments as much as possible here for multiple reasons.
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