Are you paying blindly for health insurance? You may be in
fact just paying a health insurance company for no reason whatsoever.
Allow me to explain.
Why it is messed up: Do you have a three, five or ten
thousand dollar deductible? If you do and you are not paying it up in
less than the first half of the year, then what was the point of having the
health insurance in the first place? So your insurance never kicks in and
thus you are just throwing away money. As such, you may have health
insurance, but you are paying doctors and other healthcare professionals like
you don't have any insurance in the first place.
What to do: We have a semi free health care system.
Sure we cannot buy across State lines or national borders. There is
semi monopolies in each State for buying health insurance. And we have
expensive health care. But this is in part due to our focus on health
insurance, rather than cheaper, but equally effective health maintenance and
care. We have made the mistake of thinking that health insurance is
important as we pay high premiums for low copays. Fact is, that we can
simply pay the $100 bill the one time we go to the doctor that year and not
have to spend a single penny for health care beyond that. As such, you
must look for cheaper alternatives for both doctors and for drugs which are out
there. You simply have to be willing to look and of course ask.
Conclusion: Part of the reason health insurance
is expensive, as you know, is because it is not a truly free market. But
we are being fooled into thinking that it is necessary to health care. I
have seen interviews where doctors find cheap medication that is less than $10
for their patients and thus the patients never have to use insurance.
Other doctors have the equivalent of a subscription based service and
thus patients never have to pay a dime to an insurance company. Options
are out there. Just have to know where to look.
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