Originally Posted by BBII
Anyway, the real problem with health care is it's neccessity, combined with how removed consumers are from cost. And I guess add in a sprinkle of how complex (difficult to comprehend for the consumer) the product offering is.
I'm kinda sorta paraphrasing something I read somewhere before, but imagine if you went car shopping knowing you were only going to pay for 10% (out of pocket) of whatever car it is you chose to buy.
Most of us would make some pretty extravagant decisions that would never occur to us if we were writing a check for the whole bill. Also imagine that the car salesman already knows you're only paying 10% of the cost. Do you think he's going to show us the $6,000 well-maintained 2004 Civic in the back that is maybe really all we need?
No, he's taking us to the factory-new car lot. And only selling top of the line. And we'll buy it.
If most people had a $2,500 deductible to pay before insurance kicked in, they woud ask WAY more questions about recommended services, treatment plans and alternatives.
My only issue with the car anology is that a person who can't afford/ doesn;t need a car can simple make arrangement to get rides, ride a bike, ride a bus... it works like a market should, you either find value in the product and buy or pursue other alternatives... inhealthcare, that market doesn't always exist and the consequense is not no car, but dead.
It is simlpe one of the hardest issues to solve, effectively and fairly