Originally Posted by
Plotato
ok nerds, i can't believe im going to have to take on a serious character for the first time in this sewer of a site but i need to elaborate on this topic because saint peter hath declared me the next messiah.
you wanna know why the cost of insurance is so damn high? because barely any competition exists in this field. a public + private combination ensures your insurance stays shit because 1) there is no incentive for the public service to do itself any better because public industries have virtually no competition, and because the public edition of "heathcare" exists, only existing private insurance (which are usually the big fucks) can maintain any standing. what this does is 1) limits choice and 2) people always say government should provide a basic level of care. well, what is the basic level??? what if the government doesn't cover say, chemotherapy? colonoscopies? aids treatment? in addition, healthcare is also goddamn expensive because increased regulation to healthcare logistics have 1) enacted a barrier to entry and 2) for existing corporations, allow quasi-monopolistic pricing and are forced to raise their prices because the time it takes for healthcare equipment to be approved is too damn high, and thus the costs have to be high in order to recuperate.
this is the current argument undergoing any hybrid system and its -- government is never doing enough but government should provide healthcare to people, so the costs of government healthcare keeps rising and rising. obamacare hasn't solved the problem of healthcare at all. people's needs are unlimited and thus there is no such thing as a "government basis" for healthcare. a hybrid system wouldn't work, hasn't worked, and the evidence is the united states with the aberration that is the promise of "affordable care". I wonder if people know Sweden's social security is privatized, or that Switzerland has a decentralized insurance system, precisely because government, like everything else, always mismanages these processes because how the hell is a politician with a degree in history or law going to figure out the logistics of social security, or healthcare for the matter?? this is one of the biggest problems, where government begins to "budget" healthcare, which it shouldn't. give people what they need at that time. the difference between how private healthcare "budgets" healthcare is that private healthcare have to budget towards demand, something that is done MUCH MUCH faster by private choices. this is why LASIK is so easy and quick to get (in the U.S., at least), because LASIK is one of those things untouched by public malfeasance.
this is the thing people keep misunderstanding about healthcare in the private sector. they HAVE to perform well. if they perform badly, then they will get 1) sued to death 2) shittalked to death and 3) deathed to death. but if the government performs badly then well we'll just increase our budget to fix that problem... and if that didn't fix it we'll just increase our budget again.
the fact that government provides a baseline to begin with, and a pretty high and costly one at that to begin with, gets rid of choice. Sweden, UK have their "universal healthcare" models which still are burdened by bureaucratic inefficiency, and continually rising costs. the tax burden, by the way, is mainly on the poor. most of universal healthcare systems still affect the poor the most in society, and as the cost of healthcare rises, so will the burden on poor people. "taxing" rich people is a pipe dream typically and it only serves to reduce tax revenue more often than it raises it. the "middle class" is the group to which the most tax will be collected, virtually always. it works slightly better in Switzerland because the government only subsidizes the poor who cant afford it, whilst everyone else is mandated to purchase private. otherwise, their hands are off the table on healthcare and insurance.
so you wanna know how to solve the insurance problem? get government's grabby little hands away from the whole shieza. really. they're not helping, in fact, they're only enacting higher walls for entry, while they are allowing themselves to perform like crap when it does. in no way can private insurance make someone wait for care because the person needing care is the customer, and they NEED customers. in no way can private insurance deny people with preexisting care, because someone else will steal that revenue if they choose to deny it. but no, government adds rules and exerts control over these industries thinking they can do good, but all it does is, in fact, ALLOW insurance to deny people with preexisting care because lo and behold, if you can cut costs, you will, and only by virtue of the government allowing you the environment to do such a thing.
speaking of insurance, did you know switching to Geico could save you 15% or more on car insurance.
yes, i wrote that shit so you could switch to Geico. Geico gets you the insurance savings you expect. Get an additional 15% credit on new auto, motorcycle, and RV policies for the full 6-month and 12-month insurance policy term.
ass bandits