Health care costs are the costs of health insurance could be the problem

We face a crisis in health care in America. But it can not be the one everyone is talking about. Much has changed in the news lately and in political campaigns in the crisis of health insurance in the United States, and the problems, said the € 47 million and growing Americans without affordable health insurance. Now these things are an issue, to be sure. But take a minute to look at the problem differently. It’s not really the cost of health insurance, the main problem is in the country’s health is the cost of health care beyond. The cost of health care in this country is ridiculously high and clouds. If medical insurance fees are also astronomical it is only a reflection of the current high cost of health care. The real health care reform to reduce the cost focused on health and not necessarily the cost of health insurance.

Consider this. What is the purpose of insurance, an insurance company? Forget about health insurance at the moment. Think about other forms of insurance you have in your life, such as car and homeowners. These guarantees are designed to protect us from financial ruin in the event of an unforeseen crisis, such as a car accident or a severe storm. This also was the original purpose of the proposed health insurance, but somewhere along the line was biased. Some states have recently adopted plans to buy health insurance for the applicant, to buy all the states necessary for motor insurance – this is a good thing. But once you expect your car insurance policy for petrol in the car or pay for routine maintenance such as oil changes to make? Do you expect your homeowners insurance to pay every time you are painting your walls, or changing a bulb in your house? No, of course not. Why? Because the daily expenditure is affordable, we have our insurance only bring catastrophic coverage – except when it comes to health insurance – is expected to pay for everything – and why is that? Since the cost of everything in the health sector must also be reasonable and affordable costs, such as doctor visits and drugs are astronomically high. Why is that?

There are many reasons, and go far beyond a simple article like this. But here are some of the advice of economists. In other industrialized countries, health costs under control are required by state regulation. But he has done here, because it regulates the influence of powerful lobbyists for the insurance industry and drugs, the government very little or not put any limit on the cost of healthcare. We live in a controversial companies on the planet. Complaints against doctors and healthcare organizations by lawyers for class action seeking payment of a million dollars a terrible fact of the drainage system. In many countries, high costs and professional responsibility of doctors to increase fees and increase physicians have been out of practice all together, resulting in shortages in specific areas. Supply and demand – fewer professionals in a particular area of expertise is driving up costs. The fear of lawsuits is also the practice of “defensive” medicine, where doctors often supported by additional tests or procedures to avoid litigation. And on and on. If you really want to solve a crisis of affordable health insurance here in America, we must consider the overall health system more “affordable.”

This entry was posted on Wednesday, July 7th, 2010 at 9:46 am and is filed under Loan Insurance News. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.