By most ranking mechanisms encompassing multiple aspects of healthcare US treatment is at best flamingly mediocre. We have some of the highest costs to the insurance companies, the highest insurance company profit margins and the lowest costs spent per patient.
That part of the prior discussion was about health care outcomes. You’re moving the discussion to insurance. Fair enough.
Obviously, nobody is satisfied with the current state of how medical bills are paid for, so you’re preaching to the choir, although we may quibble with various data points.
Our system is FUBAR because it’s based on the idea that shareholders are entitled to profit from your death and the best way for them to do it is for you to pay as much as possible while getting as little as possible and dying as fast as possible.
Doesn’t matter. Today, the insurers have an incentive to refuse to pay for prescribed treatments so the premiums cover the costs. In a single payer system, you just substitute “government” for “insurers”. The pressure is the same.
BTW, when it comes to how much is actually paid for a given service, the insurers are much more generous than Medicare or Medicaid. The providers have to overcharge private insurance to make up for the losses they take on the Medi patients. You know that, right?
Would you trust your heart surgery to be done by a Dr. who took out a policy to make money if you died?
No, but that’s a rather hyperbolic description of the current system. Doctors are paid a fee for service by either the insurer or the government. They’re not conflicted; they actually get paid MORE by rendering MORE services to you, which is good for you, but not good for the cost of care in the nation as a whole. (That’s one of the cost control issues Traditional Tradesman and I were discussing.)
Remember, the insurance companies aren’t in it for their health, or for your health either.
Neither is a government bureaucrat. Everyone makes their choice on who they trust the least.