Sweetie little Bobert! Pretty Lady just loves hearing from Bobert. He reminds her of her Granddaddy, the crotchety one--not so much for Content, as Attitude. All bluff cynicism! So adorable.
I have heard many glib comments about going into business for yourself. Try to imagine the resulitng total collapse of everything if the majority of underpaid Americans did exactly that.
That's why 40 million Americans are uninsured, and a sure-fire recipe for future disaster, when a poorly educated and penniless mob of retirees hit Social Security and Medicare age, along with those twenty million illegals Bush has refused to contront.
This system IS going to collapse.
But... you know what? Those scumbags that are making vast fortures in the here and now - actively engineering the upcoming collapse - will be gone... skipped out of the country with their ill-gotten gains... laughing all the way.
Now, Bobert, dear. Try to stop thinking of scumbags. Thinking of scumbags, Pretty Lady has it on good authority, is
terrible for a person's health. Daily meditation upon the Scumbags that have Done One Wrong directly contributes to headaches, backaches, stomach ulcers, sore ankles, respiratory infecctions, cancer, liver disease, kidney failure and bags under the eyes.
Plus, this is exactly the sort of rhetoric that Hillary Clinton uses to instigate the masses into doing things Her Way.
No, as attractive as it may seem to blame all our current woes on scumbags, Pretty Lady tells you sternly to stop. Pretty Lady does not believe in Blame. Blame may exist, and may be appropriately apportioned, but Blame never fixed anybody's tooth. So out with it.
Now, Bobert. As you so astutely point out, astronomical health-care costs plus millions of uncared-for persons present a Problem. The nature of this Problem, as you imply, is Systemic. It affects, not merely the Scumbags and the Irresponsible, but the vast majority of all of us, insured or not.
Thus, it seems to Pretty Lady that the vast majority of us have a vested interest in pondering this problem.
Pretty Lady points out the obvious, merely in order to make the point that the interests of the individual and those of the the Whole are not necessarily and permanently at odds. Individuals may work with the Whole, on behalf of the Whole, with the Whole in mind, and not necessarily be Totalitarian Control Freaks, like Hillary Clinton. There is a danger of such, of course, but it is not a given.
Pretty Lady grounds herself in the obvious, then, in order to move on to Bobert's initial point.
Medicaly speaking, the problem always has been that large groups get a good price break for medical insurance, while the individual gets hammered...It used to be a trade-off, until the medical community and the insurance companies raised the cost of having good health through the stratosphere.
In economic terms, as Bobert demonstrates, it is frequently in the interests of individuals to Pool their Resources. This lessens the shock to the system of catastrophe, and allows for the potential efficiency of Bulk Processing to enter the picture. Pretty Lady would elaborate, except that she knows that none of her readers are stupid, and are perfectly able to fill in the blanks.
HOWEVER, and AT THE SAME TIME, economic and health care interests are also served by the
individual having
maximum control over how those resources are spent. See: Free Market Capitalism.
Moreover, the notion of 'health insurance' is patently stupid and unworkable, for the same reasons that Car Repair Service Plans are a scam. When the head gasket blows, it is no earthly good to have a car-repair plan that provides two oil changes and a tune-up. Tune-ups and oil changes are relatively cheap; head gaskets, as Pretty Lady knows from vile experience, are basically prohibitive.
So, to recap the Obvious Points:
1) It is in the best interests of Society At Large to have healthy citizens, and as few destitute diseased persons dying in the streets as possible, spreading germs and and despair far and wide.
2) It is in the best interests of Individual Health and Economic Well-Being to seek out the best care at the lowest prices, and laugh in the faces of incompetent dentists who present them with deadpan $13,000 estimates.
So then, what is wrong with individually managed medical savings accounts, coupled with catastrophic coverage in a pool?
Chiefly, Pretty Lady supposes, the problem with individual control and responsibility for preventive healthcare, paired with group risk management, is that the elaborate systems in place for milking people without their consent would have to go. Unless, say, an existing HMO were sufficiently efficient, pleasant and effective to induce the individual to voluntarily pay for a Plan. The vast numbers of persons drawing a paycheck for shuffling paper and vetoing treatments would, unfortunately, have to learn an actual Useful Skill.
This might be good for their health, however.