So what is the solution? Do we allow everyone that can't get employer subsidised healthcare insurance die in the streets - lose everything they own? There has to be a better solution than the one we have now.
Of course there is a better solution. I wrote extensively about the root causes of the problem. Not a single person is contesting these causes. To find a solution you have to mitigate the cause of the problem. You can't exacerbate the causes and expect it to help.
I had a gallbladder removal operation (laparoscopic cholecystectomy). During that procedure they found an unexpected tumor and needed to remove it. Then I needed to follow up with multiple treatments of varying degree and finally I was told I'm in remission for now but my future healthcare will be extremely costly and require many doctors visits. Any future occurrence will most likely be as costly or more costly than the first.
I had employer provided 80-20 copay insurance that cost me over $400 per month for a family. My total costs out of pocket for that series of attempting to get fixed were $33,000 with pretty good insurance.
I am sincerely sorry to hear of your health problems. I am glad they were treated effectively. Clearly you are not part of the root cause of our systems problems. You took responsibility and paid for the services you received.
You probably payed more than your "fair" share because the root cause (others who felt entitled not to pay) didn't pay for their services. We should all be horrified that you had to suffer unduly for the irresponsibility of others.
I lost my job during the recession. I have worked all my life to provide for my family, been a good citizen, paid my taxes, bought a home. Now I might lose my home if I get sick again because the only thing I have left to pay the cost of medical are all of my assets that have taken me all my life to accrue.
I am sincerely sorry to hear of your employment problems as well. Again, I think you are likely suffering unduly because of the irresponsibility of others. In this case, it was likely fund managers, bankers, loan brokers, appraisers, title companies, real estate agents who acted against irresponsibly in encouraging the boom which burst into recession.
It doesn't matter how good your doctors are if you can't afford any of them.
I in no way want you to get sick again. Ever. But if that unfortunate circumstance should arise, I want your doctors to be great. Period. If you are sick, you should get the most effective treatment available. Period.
The only thing left to consider is how much of the cost for that treatment should be your obligation. I want to say a few things very clearly.
1. None of the extra overhead that comes from the irresponsibility parties should be your responsibility.
2. None of the bloat that comes from unnecessary procedures should be your responsibility.
3. No excessive markup going to anonymous insurance companies or government bureaucracies should be your responsibility.
4. No excessive service provider profits only obtainable because you had to "consent under duress" should be your responsibility.
So that just leave the true expenses that you or your family affirmatively consented to. That is the theoretical maximum cost it is even conceivable that should become your obligation to pay.
Now, let's say I was god and I could say with certainty that you will live (X) months and will incur ($Y) in above medical expenses. What should your "insurance" rate be? Would ($Y/X) be fair?
If that is too high, who *must* be obligated to pay the remainder ($Y) and why?
I can't answer that question for you, because I don't even know you. Say I did know you. I might decide that I personally should carry some of your burden. You are indeed a worth soul and I would be honored to help out. Perhaps you are an awful neighbor who killed my dog and tormented me every waking moment. *Must* I be required to pay so you can return to torment me some more?
This is why questions of "community" weight so important. People who spend their lives benefiting others will likely have many people willing to step in. Those who spend their lives maliciously will find themselves among many hesitant to help.
I have worked all my life to provide for my family, been a good citizen, paid my taxes, bought a home.
Clearly you understand this principle already. Do you think that in a case of your extreme hardship, those people you have been "a good citizen" among will not step up?
If that is true. The government can't save us.