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there is no way any health plan will work as far as lowering cost as long as we do not address the issue of health insurance fraud.
go to almost any doctor today for anything and he will have you do one or several of the following
take a sleep study - insurance pays 5000- 7000 dollars doctor gets 2000 kicked back
take an mri - 1000-4000 doctor gets about 20%
get a ct-scan done (ct scan is different than a MRI)- 1000+ doctor gets 20%
get you on some sort of pill cycle (usually expensive pills, depression, pain etc) doctor gets all types of returns if he pushes certain pills
I GUARANTEE YOU if you go to a doctor tomorrow someone you do not have a long history with, and you say you have any sort of minor problem, he will dish out one of the above
then you have the lawyers who cook up these crazy lawsuits, and in turn the doctors have to spend huge amounts of money on malpractice insurance and in turn they bill you more.
its important to understand why insurance is so expensive and why doctors just cant focus on their work, its hard to focus if you are scared all day and night about a upcoming lawsuit or you are meeting with insurance investigators all day.
I dont know a solution, but my point is that one first has to understand what is causing the problem
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