.... but the insurance companies make a gajillion dollars a year.
I had another post about something else written, but the database swallowed it. So, just this quickie for now.
Hold that thought. "The insurance companies make a gajillion dollars a year." Yes, they do. And who do they make it from? You, sir. And what do you get for your money?
Nothing.
OK, that's not quite true. You get administration of the shared-risk system you have chosen to buy into, and some disbursement if you require to call on the common fund. All the while with the insurance company, which is after all in the business to make money, trying its damnedest to minimise the amount it pays out on your policy.
But the operating costs and the profits of the insurance companies are so much money up in flames, compared to a universal system. There (or at least in the one I'm used to, other people's mileage may vary) the tax system takes care of the collection of the premiums, and the money is then handed over to the universal healthcare provider to make the best use of it that it can. With the goal of meeting as much of the healthcare needs of the citizens as possible.
Yes, some administrators still get paid. Healthcare workers still get paid. Hospitals still get built. Drugs still get bought. And so on. But all the money you guys waste on insurance company overheads and profits, well, our actual healthcare service gets that.
Which is one of the reasons we can provide universal coverage at about the same cost as you pay to get Medicare/Medicaid.
I really wish you would stop for a bit with this peripheral objection to fraudulent non-contributors benefiting from the system - these people will do that in any system - and actually look at the advantages of a different way of doing it.
Rolfe.