I’m not advocating that health insurance go away, that’s crazy. As I pointed out health insurance is a hedge against disaster. Which in this case would mean a big expense like the one you describe.What I mean by the problem conflating health insurance with health care, is that we come to think that health insurance should pay for EVERYTHING. For instance, if you need to wash your home’s windows or clean out its gutters or paint its siding, you don’t file a homeowner’s insurance claim to get it done. You hire someone — or do it yourself — and pay those costs out of pocket. But if a fire destroys your home, you make a claim.
Imagine, however, how expensive your home owner’s insurance would be if it covered things like window washings and paint jobs. The paperwork and regulations would add to the inflation of what would normally be very inexpensive tasks.
It’s the same with health care insurance.
Right now, we have Medicaid, a system that is supposed to help out those who cannot help themselves. And it’s rife with problems and abuse. Let’s fix that so we have a true safety net for those who cannot help themselves, instead of taxing the middle classes to pay for a health insurance system that becomes more and more bloated by the second. And millions of people, including myself, give generously of their time and resources to help people. This is a wealthy and caring country. If we tapped into those resources with as much vigor as we push idiotic laws, we’d have our indigent and poor covered.
But bottom line is, no one here pushing for either the ACA or single payer has been able to justify the force involved in keeping either of those systems going. Please, tell me how either of those is more equitable and compassionate than a free market health care system with incentives for charitable action?