Health care is an inelastic good, we need it. So this is a market (much like having a military) that really benefits from the government stepping in and making things sane.
Let users watch a series of videos and choose what kind of risk and benefit they tolerate/want and how much they’re willing to spend.
It’s morbid, but we do such assessments constantly. Do I come to a complete stop and waste a few seconds and ml of gas, or roll through it and be really careful about it?
The difference in your "every day" scenarios is recoverability. Your actual health put at risk means you die, unrecoverably.
Then there is always people not being able to spend. So they just die?
A poll on that policy would be instructive.
Obviously the advanced directive solution is largely irrelevant in a 100% coverage/public system. The insurer then makes those decisions for you. But for as long as you have a system with uninsured, there’s value in having decisions made in advance as a “just in case”.
In simpler times, a city able to provide clean water was a city of note. Worthy destination. This has been true for ages.
Flint fucked for how long now?
Our national priorities are insane! Bat shit wrong and health care, food, water, housing are all right at the top of reform agendas for damn good reason.
We can do better, and we need to.
The uninsured are uninsured because they are unable to spend. Put whatever the fuck anyone wants on that paper and it does not matter one lick.
Might as well write, "yeah, let me die, k?"
Frankly, there is zero value in the idea, and a lot of harm potential in the norms being changed for the worse: "but they consented..."
Anyone who wants to make a directive can do so today. Expecting people to do it because our system is fucked makes zero sense.
It is long past time we get our priorities in order so conversations like this are laughable, not morbid.
I always wonder if you libertarians are doing a bit, because it sure seems like it.
It’s a solution to the problem of “I continued to choose to live in an environment without health insurance, how do I handle the situation of not being in a position to negotiate?”
This extreme libretarianism stuff is pure BS, health care services in an emergency cannot exist as a free market.
As for those uninsured that just broke their ____ and are not in a position to start calling around, having pre-negotiated rates for the best pricing against all hospitals within a reasonable time’s transport would save a pile of cash. There’s no shortage of hospitals or excess capacity in the US.
The reality is you need an M.D. to make a reasonable evaluation. This is why at an HMO we have primary care physicians. Or in any other country, GPs. They decide if you need specialized care. However, how am I supposed to pick one of them? It's Russian nesting doctors.
It's probably the most complicated thing we have to deal with in our non-professional lives.
With a bank, Bank of America has terrible service - so I just don't use them, with a doctor though... what if I'm paying a premium price but receiving substandard care, given how complex human bodies are most illnesses compound over time and only in very select circumstances could you get a doctor to come in post defacto look at an X-Ray and say "This doctor was terrible, that's totally a tumor" maybe the real issue is that a tingling in your finger tips when you sit down that you asked your doctor about went unnoticed and twelve years later your heart gave out over totally preventable causes.
Seriously though in general managers have worked in and around technical people before, and their role in the process is to evaluate qualitatively. Are they a good communicator? Do they seem like awful people? They use feedback from the engineers to estimate if they're good engineers. I don't have a deep bench of M.D.s to lean on to figure this stuff out.
Same way you would pick anything else? I shopped around for my GP and changed several.
Some factors were: years of experience, user feedback, spoken languages, any red flags for the whole practice, how they respond to my concerns and questions in conversation, etc.
Also I think it's not really fair to take full lifetime costs into consideration at once. As you get older you'll be looking at those much more expensive treatments and covered by expensive insurance but the insurance tends to be of a higher quality when it comes to reducing sudden costs - I am more concerned about younger people who generally have terrible insurance and may get hit with 4 months of 20k physio due to a sudden injury but generally have low "normal" costs.