Recently, Harry Reid, said “We must work past medical insurance, to a one payer system.”
Well I agree with him, (for once). But my one payer system is this – individuals responsible for their own healthcare.
We need to get back to pay for your services healthcare. We need to have the third party control over our healthcare removed. This includes the government, insurance companies and employers.
With all of these out of the way, the cost of healthcare will be subject to the marketplace, and this will allow healthcare costs to drop. This is because the individual consumer of healthcare will now be courted by healthcare providers. And we all know, if a business wants to attract customers, they offer a better quality product at better prices than competitors. Costs go down and better quality services and products result.
The disconnect between patient and medical cost is what has allowed those costs to soar far beyond the pocketbook of most people. The evolution to a system of third party payers created a situation where developers do not need to concern themselves with a product that will serve many. They can go out and create all sorts of expensive abstract medical equipment without having to worry about whether there is a need. All that research and development is expensive, and since there isn’t a consumer for the pie in the sky products, the cost is spread over all the other products the company offers. I am not bashing big industry here. It is reasonable that they must cover their costs in some way. However, in a free marketplace where they need to focus on lowering costs to attract users to their products, they will more likely choose an item that will have more usefulness.
Those of you who read history, might recall that there was a time when an injury or illness that required a doctor might include bartering for the doctor’s services. Chickens, milk, corn, a quilt or even a return service would settle the bill. Well, you might say things are so much more expensive now; you can’t do that. But I am hearing of local physician groups offering outside of insurance, healthcare. Depending upon the area you live, the costs vary. Your costs could be $100/month for entire family. When you need the services of the doctor, you just call for an appointment. I have heard in some other areas, its $10/month for a person.