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They already are.
I mean not quite, they pay for a portion of it through insurance, but since society is underinsured, the rest of the healthcare just doesn't get done and people die.
Incorrect. Hospitals must attend emergency patients, even if uninsured.
They make up the costs by charging everyone else more for everything. They also have to jack up costs to pay for malpractice insurance because doctors get sued frequently for all kind of reasons (valid and not).
One could argue that universal healthcare and fixes to patient rights so that civil lawsuits weren't the only means of redressing a medical wrongdoing would all actually be a lot cheaper for everyone because it properly distributes risks and costs into society as a whole, and reduces long-term and recurrent medical costs. Instead of dumping all that onto "individual responsibility" in such a way that owners of hospitals and insurance companies get rich while everyone else suffers.
If you only go to a doctor when it's an emergency, one of those emergencies will be one when it's already too late, but a simple checkup when the pain started or something was amiss would have saved you.
No. Quite.
It's baked into the premiums. If you have health insurance, you are already subsidizing the health care of others.
To expand on this (and any ire that comes through later on is not pointed at you), that's literally how insurance works. All of the premiums are pooled together, and the costs for everyone are paid out of that pool. Except that private insurers with profit motives are inserted in between, so it costs even more.
Single payer would be less expensive and provide for more people, but ohhh noooo that would be socialism! You're goddamned right, let's fucking go already.
All I'm saying is that the service provided is subpar, because the cost prohibits people from seeking medical attention often enough.