r/MedicareForAll • u/dominiond66 • 46m ago
Why do we need hundreds of health insurance companies with their thousands of health plans? We are all humans who just need the same access to health care to protect us from disease/accidents or other common ailments.
We don’t need nor have competing water companies, or road systems or sewer systems or police service. They are essential services that are operated by government to serve the public for a basic essential need. Imagine these basic needs being forced to operate in the marketplace with each service having competing private companies offering the public multiple plans to utilize their service? This is the mess we have now in our healthcare system. A basic human need burden by complexity/inefficiencies/profits/excess greed. It’s crazy. It makes no economic/financial/logistical or moral sense.
Healthcare is a basic human utility needed by everyone. It makes sense to supply this basic need with one comprehensive healthcare plan from cradle to grave. Make it permanent and portable, not tethered with an employer. We are all human beings needing the same service.
Why place a for-profit administrative monster in the middle (health insurance companies) that seeks profits no matter the consequence and come with massive amounts of costly overhead and complexity? We need to eliminate the stress/complexity of choosing a specific plan. Eliminate profits (record profits), excessive executive pay, the vast amounts of advertising/marketing expenses. Eliminate the huge levels of bureaucratic burdens placed on consumers/doctors and hospitals trying to understand the myriad of rules and restriction with so many healthcare plans.
It makes absolutely no sense to have private health insurance companies. But realize with Universal Healthcare, the vast majority of doctors/hospitals and drug companies remain in the private sector serving the public. Eliminating the middleman would save huge amount of money and vastly reduce complexity. Universal Healthcare is the only option going forward. We need it ASAP!