EroticySteve

I think that if out of pocket healthcare were more affordable Insurance wouldn't be as big of a neccessity as it is. However, health care costs, partially as a result of insurance are outrageous. The reason you pay $10 for a pill of OTC painkiller is because the Insurance company will pay that fee. As a result, you aren't allowed to pay less or it would be insurance fraud on the part of the hospital to charge the insurance company more than you.

If health care costs were standardized and done at a book rate, things would be much easier to plan for.

For example.

Broken arm: $500
Broken leg: $500
Torn ACL: $1000
Tonsilectomy $350

However, everyone gets a piece of the pie and no one wants a smaller piece so you've got to make the pie bigger.

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