Quote:Part of doing something about costs would be allowing the purchase of insurance across state lines.  That's a free market concept, something that liberals hate.  Another thing to do is limit liability against doctors and hospitals.  People tend to forget that doctors are human and make mistakes.  The price/cost of making a mistake is huge, especially if it ends up fatal.  Therefor, doctors have to have malpractice insurance that is not cheap.

 

People are always down on insurance companies, but what they do is a risky business.  They put money out and assume the risk.  How about consumers assuming some of the risk involved?

 

Finally, people assume that "insurance" is supposed to pay for everything.  That's not the reason for insurance.  The reason for insurance is to protect you in the case of an extreme condition.  Think of it this way, your auto insurance doesn't cover getting an oil change and your home owner's insurance doesn't pay to get a leaky faucet fixed.  Health insurance is the same.  It should not be there for you to get a physical, pap smear, etc. that are "routine checkups".  It should be there in cases of unexpected injury/illness.

You are thinking of how you can protect the insurance companies and the wealth of the entire medical industry along side making healthcare affordable. That is impossible. Those in the business of making money have no interest in anything other than making more money. The free market also would have denied people coverage for pre existing conditions leaving them in the lurch with no way to pay for health care. How do we know this? Because the free market already did this. Just because liberals don't thing the free market should be completely unfettered as conservatives do does not mean they hate capitalism or the free market. They just see that an unregulated free market trends toward monopolies which are never good for a society. 

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