You aren't listening then.
Reform I've talked about completely removes 3rd party payers for all but catastrophic care. Making healthcare insurance just like all other types of insurance you buy and HOPE YOU NEVER HAVE TO USE.
Crazy I know.
I get that concept and I use to even suggest it.
Like homeowners insurance or auto insurance.
problem is the model does not hold up.
those insurances don't pay for home repairs/ upkeep or auto repair / upkeep
But imagine if there were comprehensive home insurance (annual cost $3500) provided by employers for about 2/3s of the people
and when they needed a toilet replaced (an item that cost about $200) the home insurance co. billed $1000 and paid the plumber $650 and kept $350.
and that if the people that did not have this special insurance needed a toilet replaced and were told it would cost $1000.
when they said that was too high, they were told they were stupid for not having the good insurance, that costs $3500 a year
and the answer was, we have the best paid plumbers on the planet. Our toilets are the best. No one designs better toilets. don't interfere with capitalism,
yes $1000 is a lot to pay for a toilet, and our plumbers earn 2 1/2 times the world average,
because we give a shit.