A common mistake, is in thinking that the current American health insurance system is completely privatized the way it is now, and then using that as an argument against private insurance/pro state run. It is not the case. Actually it is already highly government regulated and state controlled already, which is why you often find a small handful of big companies monopolizing a particular state/region. It has gotten so expensive that you pretty much need to purchase it through a group company rate, and it's very difficult to buy on your own as an individual. This isn't conductive to competition or choice, so the benefits thereof are pretty well mitigated. Which is why the privatization argument includes calls for deregulation and ability to purchase policies across state lines.
Also, you don't have to wait until you're severely ill to shop around for the best policy you can. You can look into how your chosen provider handles care for some of the most common diseases ahead of time. If cancer is the number 2 top killer in America, and you have a family history, you might not want a policy that screws you over when it comes to cancer screening.
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Re: No such things as a free organ transplant
Date: 13/12/10 15:08 (UTC)A common mistake, is in thinking that the current American health insurance system is completely privatized the way it is now, and then using that as an argument against private insurance/pro state run. It is not the case. Actually it is already highly government regulated and state controlled already, which is why you often find a small handful of big companies monopolizing a particular state/region. It has gotten so expensive that you pretty much need to purchase it through a group company rate, and it's very difficult to buy on your own as an individual. This isn't conductive to competition or choice, so the benefits thereof are pretty well mitigated. Which is why the privatization argument includes calls for deregulation and ability to purchase policies across state lines.
Also, you don't have to wait until you're severely ill to shop around for the best policy you can. You can look into how your chosen provider handles care for some of the most common diseases ahead of time. If cancer is the number 2 top killer in America, and you have a family history, you might not want a policy that screws you over when it comes to cancer screening.