stebo0728 wrote:Now, we are talking about health insurance here, NOT healthcare. Try and find a meaningful amount of stories where someone was denied healthcare or trauma care. Sure maybe people with terminal illnesses may face denial of coverage, but anyone in need of emergency care gets it. But newsflash, only recently (last few decades) have we really advanced enough to handle alot of the terminal illnesses out there, and those treatments are still experimental, and pricey, and of limited supply. Not everyone is gonna be eligible for them.
Go ahead and try to get an annual physical without health insurance. Healthcare is currently rationed on the basis of an ability to pay. Without health insurance, many simply do not have the ability to pay medical bills - that was the point of developing health insurance in the first place. Fine, that's the path we've chosen. That's the path you apparently support. Let's look at the consquences: manual labor is a bunch of relatively low-paying jobs that require relatively little education. The only requirement? That you be physically able to do the work. Right there you have an illustration of how the poor have the deck stacked against them: you need to be wealthy to be able to stay healthy, and you need to be healthy in order to get wealthy. You want to go ahead and pretend that there's no catch-22, fine, but don't try to convince me of your delusions.
The response "They'll get emergency services; they won't be denied" suffers from two problems: first, non-emergency problems can impact ones ability to do their job. Abdominal pain can make you go home early. A burst spleen is what will get you into the emergency room. And there's a lot of time in between, which means we've got a reduced ability to pay. Which means we throw more costs onto the backs of everybody else. Which leads me to the second problem: efficiency. Preventative care is cheaper and less risky than remedial care. If we're so concerned about ability to pay, why
wouldn't we want to encourage the more effective service that's easier to pay for? In the event that we're going to be giving away free services, why wouldn't we want to give away the services that will save us money in the long run?
You can argue for whatever alternative system you like, but it's pretty hard to defend the current one - we refuse to give away the cheap, effective service, but we happily share the costs of the less-effective, more expensive, more risky services (which, lo and behold, open up a hospital to greater liability, for you medical malpractice hawks)