Why doesn't the American market provide efficient and effective health insurance like it does for car insurance?
Why doesn't the American market provide efficient and effective health insurance like it does for car insurance?
Car insurance is relatively simple. I shop around, telling them how much coverage I want. They request my driving history, and give me a quote. At any time, I can shop around and change insurance policies without any problems. Once it's time to collect payment, it's a relatively simple matter. What makes health insurance so difficult, controlling, unreliable, and expensive? For example, with health insurance:
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Can only shop during a specific enrollment period
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Policies are so complex, the vast majority of the population can't understand them
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It's commonly provided in part by the employer because buying a policy otherwise is prohibitively expensive
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Insurance companies are notorious for denying payments
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Why doesn't America join the first world and provide Universal Health Care?
Because rich people on large corporations refuse to pay their fair share of taxes
Those rich people also are shareholders of the insurance companies
Yes and they also own politicians.
Because the American system provides for a rich ecosystem of middlemen and lobbyists. If we switch to Universal Healthcare, what will they do? Code?
No one knows, but for sure the reason is something rotten. I’ve never ever heard a reasonable argument against it.
Not the entire "first world" has universal health care. The Netherlands for example has only 62% UFC. Which is fairly managable in paractice, with proper regulations and support for thos ewho can't pay the €120 obligatory monthly insurance fee, but obviously it's complete bullshit.