Couple of comments on a topic with which I really struggle - I'm a free market devotee who questions how well health insurance and HC generally fit with the free market. So two points jump out at me:
4) Pre-existing conditions - your answer is too pat IMO. The current poster baby, literally, is Jimmy Kimmel's newborn, who's only crime was to be born. Didn't smoke, didn't drink or do drugs, skydive, or ride motorcycles, and by all accounts neither did his parents. Many pre-existing conditions just develop with age or from genetics or bad luck.
Fewer young people than old people have them, so the idea is that younger people pay for those in older people today, and in 30 years, you will get the benefit of the 20 somethings at that time.
That is a problem - the basic model for SS and Medicare, and we know where that got us. These pyramid scheme scenarios are dicey because who knows how demographic patterns will change.
I am ok with sin taxes to help cover what you're talking about.
6) Trust me, many types of surgery will cost a fortune no matter what if you hope to avail yourself of the best equipment, docs, and technology. So I broadly agree that HC in general has some real free market problems, and insurance is part of that, but the other part of it is that if I am in real distress, afraid for my life, or in need of advanced, complex surgery, I will not comparison shop. I want the best care I can get as quickly as I can get it, especially if I am in sudden crisis. The fact is that HC delivery may be a poor match for the free market. Another example I saw years ago - two state-of-the-art burn centers in a small city - I think it was Minneapolis. Sounds great - competition is good for us all, right? Problem is, there's barely enough "business" for 1, let alone 2 in that city. So what really happens is everyone who goes into either one of those hospitals for a stitch or two pays for a small share of unnecessary state of the art burn treatment.
The more all this roiling goes on; the more we see how incredibly hard it is to "repeal and replace", even with majority repubs all across govt doing what they've been screaming about for almost a decade, the more I begin to accept that single payer may be the only way to get something effective done.
Let's say the House passes something - how likely is it that the Senate passes something that can be reconciled? And if something is passed, what chance, with all this political wrangling, is there that it will actually work in practice?
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