this post was submitted on 21 Dec 2024
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The problem with your "drop them if they don't cover you" bit is that people generally won't find out until something serious happens, and then they're screwed regardless, OR their employer pays a good chunk of their premiums, so they figure they're better off to keep that and hope something winds up covered.
Not American, but we studied this in school. The insurance/free market problem is twofold - healthcare is a captive industry, and the knowledge base required to understand what is and isn't a good plan is well beyond most of the population.
Healthcare is a captive industry in that no one can stop using it entirely. Car insurance? Never get a car, you avoid it. Arguments of car-driven infrastructure aside, that's not a captive industry. So you, at some point in your life, are going to need healthcare. But, you have no idea how bad it's going to be, what's going to be wrong with you, etc. so your needs are extremely unknown. Again, to use a car insurance comparison, your choices are fairly limited here in Canada at least. The govt has set minimum standards that all insurers must provide, and then you can choose to increase above that. But those minimum standards cover enough that you're very unlikely to be totally screwed with enormous debt after an accident no matter what causes the accident, etc.
This leads to the fact that healthcare is so ridiculously complicated that sorting out what is and isn't covered by various insurers (who regularly change their plans) is beyond the average person. They have no way of knowing how much a surgery for appendicitis might cost, and if the 2mil max Plan A covers will be enough. Now multiply that by a thousand illnesses.
Healthcare should not be left to the free market - at a minimum, there needs to be a robust, extensive, and functional public insurance to avoid stupidity like bankruptcy from basic, lifesaving surgeries.
Totally agree. Murdering an insurance CEO isn't the answer tho. Which was my original point.
I would agree, except that this has been a problem ongoing for the last twenty years with no progress made by protesting/following legal channels. From my perspective, without the threat of violence, both US parties have too much to gain by maintaining the status quo to respond to general peaceful protesting or trying to legally change things. If your perspective is that these people are causing deaths, and the legal system isn't willing to change quickly enough, an argument could be made that the slow protests/incremental change is causing more deaths.
Cool. Doesn't matter. I don't think murder is the answer, and I will never advocate it. Lemmy will be on the wrong side of history when it comes to this subject. Cold-blooded murder is never the answer.
And if Luigi would have had some Republican tattoos and history and did this, you all would be crying and memeing about how he should be in prison.