Is it possible for all hourly workers to make enough pay for their own HEALTH INSURANCE?

Here's the way it works. When most people pay their own medical bills, the doctor sits down with the patient and they discuss options and costs and decide what to do. When most people have insurance, that discussion does not take place. Tests and second opinions that would otherwise have been optional are automatic. The doctor hires more staff to fill out the insurance forms and keep extensive records. The doctor has to have the latest equipment to be sure his diagnoses are legally defensible. Everybody knows the bills are covered, and services are assumed to be competent. All of this, the extra tests, the second opinions, the documentation, the equipment, has to be paid for, and the cost goes on the patient's bill. The insurance company's only concern is that charges are necessary and reasonable.

Please notice that I have not suggested any form of deception. All of this is normal, honest, and predictable. It is also unavoidable. Increased medical costs are automatic when most people have insurance.

But normal market forces are still at work. Demand is limitless, but services are scarce. In a normal market, demand is controlled by costs. When that restraint is removed some other method must be found to keep demand equal to supply. One way to limit demand is to make patients wait. When there aren't enough doctors to treat people as fast as they come in, patients must wait. Those that can't or won't wait go away. Travel to a treatment center has the same effect. When the market is controlled by costs, people who really need treatment can get it by paying the cost. When the market is controlled by some other method, individuals are prevented from making their own decisions about what they really need. They can only get treatment by waiting, or by obtaining some sort of official approval or professional reference, that is to say, by political influence.

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RE :Is it possible for all hourly workers to make enough pay for their own HEALTH INSURANCE?

HIgher education is expensive, health insurance is expensive and saving at least 3/4 of a million dollars or even 1/2 million for an hourly workers old age doesn't seem to pencil out. If 'trickle down' economics works it would seem that wages alone would answer these three 21st century questions. A more practical way is to let the taxing authority of the government 'trickle down' these essential benefits by funding a significant portion of a world class education policy, funding MEDICARE for ALL and beefing up our SOCIAL SECURITY system. Nobody seems to be for raising wages to the point where most prudent people could 'pay their own way', but then there seems to be resistance to allowing 'government' to fund a major portion of these benefits either. Should we just say 'it can't be done' and let the American hourly wage earner simply do without?

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Are you announcing workers do not have wellness coverage? Japanese carmakers pay their employees more, and treat them higher in crops on this nation. They don't need a union considering that they have excellent corporate ethics. Our auto firms blow. They must allow them to die, and then the employees can go work for Honda, and so on and make better wages, insurance insurance policy, and get better retirement programs, while not having a union to demand it. Because they've their heads on straight.

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RE :Is it possible for all hourly workers to make enough pay for their own HEALTH INSURANCE?

HIgher education is expensive, health insurance is expensive and saving at least 3/4 of a million dollars or even 1/2 million for an hourly workers old age doesn't seem to pencil out. If 'trickle down' economics works it would seem that wages alone would answer these three 21st century questions. A more practical way is to let the taxing authority of the government 'trickle down' these essential benefits by funding a significant portion of a world class education policy, funding MEDICARE for ALL and beefing up our SOCIAL SECURITY system. Nobody seems to be for raising wages to the point where most prudent people could 'pay their own way', but then there seems to be resistance to allowing 'government' to fund a major portion of these benefits either. Should we just say 'it can't be done' and let the American hourly wage earner simply do without?

Follow 6 answers

I had no insurance until I got on Medi Care.

I have now changed doctors several times because that always

wanted to do a lot of tests and give you a 90 day prescription

so that you come back for a "evaluation".

But as far as paying your own way, a lot of people would not anyway.

Same thing for SS, what if no money was saved for retirement?

Have you ever considered the fact that perhaps these things are so expensive is because the government is so heavily involved? That is the one constant amongst all of those things. College is expensive because the vast majority of people who begin to go to college, end up dropping out. And since the government will provide a Pell Grant to virtually anybody, along with student loans, it shouldn't be any wonder why costs are so expensive.

Health insurance is so heavily regulated that it is virtually impossible for a small insurance company to make any profits. The reason why you have such little choices in the insurance market, is not because of a small demand (its actually quite the opposite), but because current federal and state regulations make it almost impossible for smaller insurance companies to compete, accompanied with a barrage of malpractice lawsuits from shister lawyers looking to exploit whoever they can. It seems every other advertisement on television these days is some law firm looking for people to start a class action lawsuit against some drug company, or some insurance company.

In regards to wages, the federal government cannot control wages. Any time they try to, it usually ends poorly (i.e. President Hoover). The best way to increase wages is to create an economic environment that fosters good paying jobs, which traditionally have usually resided in the trades. However, given the fact that we now outsource most manufactured goods in this country, there is no wonder why wages haven't increased. Creating a strong economic environment that is beneficial for companies to manufacture here in the U.S. is what is needed to increase wages.

Catastrophe insurance is not that expensive and you don't have to be rich to buy that more expensive, but useless health insurance.