Thats ridiculous. Everyone pay for themselves seems like a good idea for everything but healthcare since its our ****ing lives that are on the line with that. Some treatments are too expensive for the average person to afford, why not have everyone pay a little bit so that when someone actually needs it they can get the proper care and not end up dead? This isn't something someone can abuse and get money out of like welfare. I can't even understand how people could be so selfish over like $50 dollars a month? Healthcare should not be a social status thing and making it private is exactly that.
Because my $50 on its own cannot cover me if I had a serious accident or illness. I'm not actually 100% sure how it even works down there, but the way it is in Canada works very well for every single person I know.
I'd prefer if everyone had the same standards in healthcare, if I don't make a lot of money I don't wanna have to goto some ghetto doctor.... It's not shopping for a car or a house. There shouldn't be a competition in healthcare providers.
Obviously in emergency situations, shopping or negotiating are not at issue. If you were unconscious, bleeding, etc. there is no negotiation nor the ability to shop.
Almost as obvious are lesser levels (broken leg, etc.) and a sick son or daughter, spouse, parent, etc. Although not life threatening, time and expertise rule out market based solutions.
The only place in medicine where market solutions have worked, has been in those very limited areas where time is of no issue and information is plentiful. An example of this would be lasik. However if you compare lasik to an attack of appendicitis it does not track.
If you think individuals can effectively shop for insurance, then let me tell you I teach professionals, and they readily admit, the contracts are so convoluted that they are nearly opaque. Now these are professionals. One cannot be an expert in every facet of life. If you are an expert in nuclear physics, it does not give you the ability to understand these contracts.
So while it can be argued that philosophically the market works in the long run, in medicine, it is not about the long run for the individual that needs care. Consequently, the market cannot be efficient.
The proof of all of this is a simple fact based reality. We pay twice as much per capita for health care than any western nation. You might think that our health care is better than any where else, but do you think it is twice as good?
With buying your own insurance, you can obviously work out Co pays, Deductibles, and whatever else you need. In emergency situations, those who bought insurance would be covered per say.
Now the problem does come when an emergency situation happens to someone who doesn't have insurance. Do you leave him if he doesn't have insurance on him presently? Do you take him in and treat him and hand him the bill? I really dont know.
One thing I want to point out about my list, since it's been quoted and commented on a few times...
I was not saying more nuclear missiles, I was saying more nuclear energy. I'm sure we're not running out of missiles anytime soon.
That said, you do not have a right to drive, so you do not have an inherent right to drive without a seat belt or a helmet. There are a number of situations in which the government can take away your license, significantly fewer in which they can infringe on any of your actual Constitutional rights.