Quote:Obamacare rears it's ugly head again.


The problem with insurance is that it's been so misleading as it relates to health care. Insurance is supposed to cover an unexpected or catastrophic event, not provide basic service. Think of it this way. Your car insurance covers damages related to an accident (unexpected and possibly catastrophic). It doesn't cover an oil change, tune up, tire rotation, etc.. Your homeowner's insurance covers a major event such as a fire or maybe wind damage. It does not cover electrical or plumbing repairs, lawn maintenance, etc..


Health insurance is there to cover a health related issue that is unexpected such as injury or unexpected illness. It should NOT cover a routine office visit for a physical or something like that. That's what a <a class="bbc_url" href='https://en.wikipedia.org/wiki/Health_savings_account'>health savings account</a> is for.

The problem with that is routine medicine and visits have outpaced what the average person can pay. When a doctor visit without insurance is north of $100 and the tylenol is north of $50 people need insurance to help with the cost. We didn't have any insurance for years and we just never went to the doctor it was ridiculous if you could even find someone accepting seld paying patients they wanted $100+ before even walking in the door.


I don't know what the fix is and obviously obamacare only made it worse but what we had before was just as bad.

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