I’m an anarchist. I’m a Christian. I’m a lot of things. I don’t find the need to have an opinion about everything as lots of Americans do. On some issues I’m opinion-less. But some things strike me as odd.
This up-coming election has brought up, once again, universal healthcare. I’m a capitalist and opposed to big government. But I also know “wrong” when I see it.
There’s something seriously wrong with healthcare in this country. I feel, as many do, that the insurance companies are out of control. My capitalist perspective leads to a couple conclusions:
A) Healthcare is out of reach for many Americans if their employer does not offset some of the cost (mine offsets 2/3rds!!!)
B) Few choose their own healthcare provider thus eliminating the free-market ideas that capitalists subscribe to. Employers choose for you.
C) Insurance companies do not actually provide a true service, they merely provide a means to a service.
D) Insurance companies make money by not providing the service they are supposed to provide, thus putting them at odds with themselves.
Picture it like this: Walmart takes your money from you when you leave with goods. If you want dishware you pick it up and on your way out the door they get money, everyone is happy with the transaction. But let’s say you paid Walmart $5 a month so that if you needed dishware you could come pick it up. Walmart, already having your $5 per month, would feel inclined to keep the money but not provide the dishware.
This is what insurance companies do. Then they put so much red tape around the service that nearly anything can be a reason to not provide care. I don’t even know if the insurance companies understand their own policies. An average person can’t comprehend this stuff.
I don’t know if universal healthcare is the solution to this mess but I do know that the insurance companies most certainly are not.
I’d like to see a system where people provide for themselves for small doctor’s visits: Checkups, physicals, dental cleanings but perhaps a universal system for catastrophic care. You get cancer, a car wreck, your spleen hemmorages on a rollar-coaster; we’d take care of you. Perhaps a dollar limit, any medical bills that go over $15,000 per year would be covered but if you run to the doctor for a cold you pay.
This would open up the market and bring prices down while creating a system that discourages abuse.
Will there be fraud? Yes. Corruption? Yes. Government handouts? Yes.
But guess what? There already are.