Originally Posted by
valade16
I think people would be more likely to go to a Doctor under universal healthcare, especially for preventative care because it doesn't cost them anything extra to do that. Under a capitalist (or your) approach, people would be less likely to go because they'd rather keep or save that money (or not have to pay back to the cap once they fall under).
Hope that's not the case, they should at least be going once a year for an annual physical.
But how much are we talking they have to pay into this fund? I'm just doing some math, and if they paid $150 from each paycheck into the fund (which seems a lot for lower income people but IDK), that would only be $3,600 paid into the account in a year. So it would take them about 13 years to get to the cap of $50,000 (though you admit $50,000 was just an arbitrary number). Even at $20,000, it would take someone 5-6 years to get to $20,000.
I think the fundamental problem with your system is that poor people will forever be paying to get to the account max and therefore will always be paying money. I find it very hard to believe a poor person can pay $150 per paycheck for 6 years to get to $20,000 and cap out to where they don't have to pay, especially when you start having health problems.
What are your thoughts on the fact poor people may be having to pay into your system for their entire lives?
It's definitely a unique system, I think it's better than our current one, though it still suffers from the same problem as all our systems do IMO, that we don't want to fully commit to Universal healthcare so we come up with some hybrid system that's not as effective.
As for your repeated claim that everything shows Universal Healthcare will be more expensive, a study funded by the Koch brothers found that it would actually be $2 trillion less over 10 years than our current system (though that was based on assumed costs under Bernie Sanders' plan that the author of the study called unrealistic).
But even beyond that, it seems weird to me that everyone still wants to perpetuate this idea that universal healthcare will be vastly more expensive than our current system when virtually every other industrialized nation that as Universal healthcare pays drastically less than us for it. Are we really so bad compared to our counterparts in other countries we can't figure out what they've all figured out over 50 years ago?