If kids aren't ready for real life like when they turn 18 and then they think "I can do whatever I want let's eat whatever i want". They should be able to choose so that way they know that they might get obese and they will know so let us choose please.
With the way the economy is going, it comes as no surprise that government-backed health programs will disappear and, if you want health insurance, it will be something that you have to pay for out of pocket. As programs dwindle, it will only hurt the consumer, who will have a choice: food on the table, or insurance.
One of the major failings of the health care system is that the patients themselves have such little control. And, I believe that health savings accounts remedy this situation by allowing the patients themselves to determine which services they want and from whom they want to receive them.
All the government-funded health care plans, such as Medicare, Medicaid, and social security funds are currently running out of money soon. This means that private insurance/health care companies are coming in strong trying to compete for the best deals to the customers. The prices aren't going to go down necessarily, but it will be largely affordable for most people.
When private companies are allowed to run services such as healthcare those companies have to answer to the consumers, otherwise they go under. The government hardly has the same dependence. A prime example is the DMV. When private companies are allowed to run services and there is an open market than quite naturally who ever provides the best service, at the best price, will rise to the surface!
When people need medical care, they want to go to a doctor of their choosing. And if they have control over their health care plan, and they have a health savings plan, they can choose.
HSA's and consumer-driven health plans have so many financial advantages to them. An HSA enables the individual to lower their insurance premiums, while retaining coverage for emergencies. In addition, the individual can save for future retirement through the IRA's that are set up inconjuction with the HSA plan. The individual pays for lower cost health care out pocket (or out of their fund). This encourages the individual to spend their health care dollars more wisely. Bottom line, the individual has the opportunity to keep more of their dollars in their own pocket or in their retirement plan.
Consumer-driven health plans and health saving accounts certainly are temporary stop-gaps that can help consumers abate some of the rise in health care costs, but in the future, things will hit a breaking point. I believe that mass government-run public health insurance is going to be necessary for the lowest classes, and contemporary market-driven insurance plans will only exist for those who can afford them.
Greater government involvement in health care needs to happen in order to provide everyone with the equal opportunity for coverage in the United States. At this point in time, private insurance companies continue to control who can get coverage, what coverage will cost, and for how long coverage will be provided. Even in a consumer-driven environment, the large industries would continue to control such things, and so health care would not be readily available to all.
The more talk there is about changing the health care system, the more I think it would work best as it is right now. Consumers really do not know what is best for them, most of the time, and, sometimes, private companies are not the big bad guys that we make them out to be. Private health insurance will still be the way in the future.
If the government steps out of the health care system and lets the insurance companies take over, it will only lead to the consumers paying higher premium rates and receiving less benefits. Plus, in a true competitive market, there would be a lot of competing insurance companies to choose from. With so many small-time companies trying to compete with the big companies, you would never know if the company you are paying your premiums to would exist in 5-10 years. Government-controlled health care may have it's problems, but at least you know it will be there in the future.
The reason many Americans go without insurance in today's society is because they believe they are unable to afford it. Given the new health care reform, all Americans will be given insurance no matter their job status or salary. If everyone is to be admitted without needing a deductible, why would Americans choose a high deductible to receive the same treatment they are now receiving for free?
It is frankly stupid for most people to ever get involved with consumer driven health plans with health savings accounts as they shift the bulk of the cost for health care to the consumers and away from the insurance companies. In fact, this decreases the satisfaction that consumers have with their health care coverage. This type of health care plan is bogus and is frankly just a high deductible and low coverage plan which is marketed to people who have very little money. The insurance companies gouged the consumers by raising their rates so much that the majority of Americans are unable to purchase the coverage that they want. This is how it is now, but the American public will not tolerate this much longer and will demand that the prices go down or that the insurance executives are tarred and feathered and driven out of town.
The British National Health Service or NHS is held up as a model of how to provide healthcare for everyone. Yet they cannot seem to find staff to keep rooms clean, cannot find the money to provide life saving drugs to cancer patients, and have so few doctors that patients wait months for life saving surgery. Patients pull their own teeth because they cannot get into a dentist. Canada's socialized medicine system fares a little better because American hospitals at the northern border are full of Canadians paying cash for care they cannot wait months for at home. Socialized medicine cuts costs by trying to manage it more; this results in too many managers and not enough money for doctors and nurses. The end result is cutting care and letting patients suffer. America has one of the best health care systems in the world, from inventing MRIs to antibiotics to organ transplantation. Government medicine will kill patients here as it does around the world. The only solution is to go back to the market driven system via consumer-driven health plans and health savings accounts.
New laws that are supposed to be coming into effect within the next few years are leading consumers to believe that our best interest is in mind, however insurance companies are going to raise their premiums on all of us to compensate for the additional costs that they incur for these so-called "consumer driven" health plans and the consumers are going to be the ones that suffer.
Health savings accounts are too complicated and stressful for the average citizen. Consumer-driven health plans are a better approach but ultimately, the country simply needs nationalized health care. Ultimately the needs of the people will preempt the greed of the corporations.
Consumer-driven health plans will keep people from getting necessary care so they can save money. I can't see how this will be beneficial to the public at large.