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That's part of it, but I happen to think a bigger part of it is that health "insurance" companies would go away and doctors would make less.
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Docs hate insurers, and they're not the ones robbing people blind. The administrators and executives are the unjustified cost. And they are robbing the industry blind, on both the provider and insurer side. Why? Because we've made HC a Byzantine system that allows these people to justify their existences and salaries.
You know what'd render a lot of those people unnecessary? A direct purchase system for preventative and elective care.
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Leaving aside the economics (which are at best incomplete), this is a recipe for people who can't afford it not getting care.
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I acknowledge my idea would cause certain people to not receive as much care as they do. But somebody's always going to lose in these things. I believe this is a small number of people. Most of the destitute will be served by Medicaid. And honestly - I don't have much sympathy for a person who, offered elective and preventative care at fair rates, refuses to use them because he prefers having a TPA ostensibly pay for that care.
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I don't know why this depresses you. Of course the average American cannot be trusted to handle his own health care.
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Maybe he'd surprise us if we compelled him to do so. I get where you're coming from, but I'm sure you get that it's a pretty arrogant place. Joe Sixpacks don't want to learn this stuff, but if you make them do so, I'm confident you'll find a lot of decent negotiators who will wring value from the system that we have not even considered. Why not give them a chance?
