These are interesting ideas. You and me and everyone here might do well with this kind of plan, because I would guess that most of us are pretty responsible.
But people are funny, especially about their health. If routine preventive visits were not covered, there is probably a surprisingly high percentage of people -- educated and not so educated -- who would not go to the doctor for wellness checkups because they "feel fine" and don't want to pay for it. Many children would not be seen yearly except for when they need updated health cards for school.
Preventive and wellness visits are cheap! We should be encouraging them as much as possible. People should have a relationship with their doctors, at least to the extent that they can. I really don't think we want a high percentage of people visiting their doctors only when they get sick, as they are likely to do if they have to pay out of pocket for routine visits.
Also, as much as people talk about the out-of-control costs, insurance plans actually help with the costs for smaller things like mammograms and doctor visits. If you didn't have the insurance "umbrella" you would be paying more. You could leave for another doctor, but it might be hard to find another place to get a mammogram. I don't like the idea of a free market let loose in health care anyway -- it seems like a lot of our problems began when hospital companies started treating health care like a profit center.
I wish we
could legislate intelligence. You are correct, preventive and wellness
are cheap. The only way to get people who "feel fine" to take care of themselves if they don't already, would be to make them, not just to offer to pay for it.
Insurance plans are a big part of the cost problem IMO. The price of a particular service (mammograms for instance) should be within 10% for everyone. Nobody should get a 90% discount for having insurance. The prices should be available before the procedure is scheduled so a patient can 'shop around.' That is the real beauty of the free market, competition, and capitalism.
In fact, it would be nice if you could choose which services you want covered on your policy. My understanding is that each state currently mandates that certain things be covered in any policy.
Again, I am in
complete agreement that our healthcare system needs work. I absolutely oppose the solution of just providing insurance to everyone. That fixes nothing. I read that over 70% of people already have health insurance and that after the proposed reform, 10 to 15% will still be uninsured. That is not a good solution, particularly given the cost.
I'm really glad Congress is working on it. I hope they will take the time to discuss and find real solutions, instead of just doing "something" to say they did something. Let's have town hall meetings and televised debates about the choices they make just like during the elections. This is important stuff. It shouldn't be so complicated and convoluted that those voting on it don't even know it's repercussions. Slow down. Take it one step at a time. Lets do it right so we don't have to fix it later.