Let me tell you a little story about the American medical system, circa today
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A good chunk of Obamacare was to get price transparency out into the public. People are beginning to realize how bad our drug prices are. Under Obamacare, a High-deductible plan will require the consumer to pay the full price of drugs until the deductible is covered.
This means for the first few months each year, everyone gets to see the true price of drugs. Later, when the deductibles are covered, insurance takes over the cost. But the sticker-shock is part of the design, we can't have a free market unless people actually see and understand the prices of the goods and services that they get.
America can't fix the healthcare system until people realize what our healthcare actually costs. Seeing the actual cost of drugs is step #1. Now that people are seeing what drugs cost, now we can move on to step #2, and try to figure out what to do about it.
Go back 10 years, and nobody would have known about these prices. Today, we actually can start discussing the pricing of health services.
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Now obviously, the price of American Drugs sucks. But at least we know this fact today. This is a far better situation than a few years ago.
No, I mean the apparent over-prescription of antibiotics to everyone involved, them taking a leisurely day walking around and shopping (they must not be that sick), and the fact that antiobiotics are commonly available (at least where I live) for a cash price of $1 from multiple grocery/pharmacy chains. Heck, one chain here (meijer) offers FREE antibiotics.
But, as to your point, I believe people should be fully paying for things like this out of pocket. Insurance is not insurance when it covers everything and every dollar. Imagine how much car insurance would cost if it covered every scratch, ding, and scraped wheel without deductible.
Obamacare removes that argument. Now its actually the price people pay (at least, before the deductible is reached). Perhaps its not completely direct but its better than what it used to be.
> my insurance, which I pay (wait for it) $1182 a month
> ...
> This was our total bill today. ($498.73)
>
> It took more than seven hours to get the basic medicine
Just to put into context how absurd these costs are, she could conceivably have spent less money and time by flying from NY to Toronto and paying for a doctor visit out of pocket there instead of relying on her insurance in this case...
The GP doesn't have to deal with insurance and has a much smaller patient load.
https://en.wikipedia.org/wiki/Direct_primary_care
Example pricing: https://www.dpcwestmi.com/services/
Now I just wish the government could stop trying to force people to buy private insurance, the industry is a scam.
/s
Edit: You downvote, but "high prices are OK because they enable medical research" is an argument that inevitably pops up in these threads.
While random Europeans chime in with short comments about how this is inexplicable madness.
Frankly I think the health industry (spit) knows the barbarians will soon be at the gate and are trying steal the silverware and other valuables while they still can.