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Why is it that everyone is always complaining about the high cost of health insurance?

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The proper thing to complain about is the high cost of health care. Or rather, the outrageous prices that doctors & medical facilities bill us and/or the insurance companies. If the medical industry did not charge so much, the insurance companies would not need to pay so much, and we would all be happier people. It is my belief that we should be able to pay for reasonable health needs ourselves, without insurance or declaring bankruptcy. That is how it used to be done, before employers offered health insurance as a benefit. And soon, I believe, they will no longer be offering this benefit.

I’m sure some would argue that doctors have all those years of schooling to pay for. You know what? That was their choice. Don’t make me pay your student loans. I had my own & I paid them myself. Some would say that we need to pay for all the technology now involved in the medical profession. Really. All industries have had an increase in technology. If the grocery store started passing on to you their overhead charges in gastronomical amounts, I think we would all complain. Doctors order tons of tests, just because they can. (Sorry, I was raised not to trust doctors.)

As times get harder & harder economically, I believe employers are going to stop offering medical insurance, or make it only available to their top executives. As it is now, insurance is so expensive, I’m sure many families can no longer afford it. And while most states have some sort of insurance to put your kids on, if you have too much in savings, you will be denied. Punished for trying to prepare & be responsible.

Who are the losers? All of us, in our insurance premiums & copays & deductables. Who are the biggest losers? Those without any insurance. When you have insurance, there is a portion of your bill that the insurance company just says “Oh, I don’t think so. We will knock a few thousand right off the top of that….”, and then they pay the remaining agreed amount. If you do not have insurance, you better bet the hospital/doctor will just bill you for the whole darn stinking thing.

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