i know what you're saying..i can read..but you didn't answer the question..You are not listening...
You would still have catastrophic insurance like you do when you get in a car accident.
The problem is if our healthcare insurance was similar to car insurance it would pay for the gas, the tire rotations, the brake jobs, the tuneups, etc. If car insurance had all those addons it would be really fucking expensive as well.
You go to the doctor for routine care. If you need a procedure above 50K or so your insurance kicks in. That would cause medical insurance to be really cheap. The rest you pay for out of pocket. I am sure they would come up with financing programs like for cars for people who can afford it.
For people stupid enough or poor enough to not buy insurance we should have some sort of loan program similar to a student loan. You go to the emergency room, they fix you up but you are still going to have to pay for the care. In this scenario if you dont pay then the government comes in and garnishes 5% or so of your wages until it is paid off or until you die.
Doctors offices would have to compete for care. A heart bypass would drop from hundreds of thousands of dollars to thousands of dollars because all of the hidden charges would be removed. There would be innovation created by the need for less expensive procedures where there simply is no demand for it now.
The insurance game makes things crazy expensive. If the government only pays 33% for a medical device the company simply triples the cost of the medical device and still gets what they want right now. In direct pay where the customer is concerned with cost these kinds of things would not happen.
what would you do? patients have to make this decision all the time..when it's up to them to pay out of pocket..you are going to get patients that won't go to the doctor..one key component of ACA is prevention..i've run out of gas..had no oil in my car because of cash flow..and others will do the same.. patients will then "let go" of their health and rely on catastrosphic to pick up the pieces.