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More Americans Gain Health Coverage, But Many Can’t Afford to Use It: Doctors Group


#1

More Americans Gain Health Coverage, But Many Can’t Afford to Use It: Doctors Group

WASHINGTON -

Census Bureau says number of uninsured has dropped to 33 million in wake of Affordable Care Act, but is silent on problems of rising deductibles, copays, coinsurance and narrow networks that deter people from seeking care

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#2

The problem is that Obamacare coverage is very similar to a "major med" plan which only goes into operation once you have already spent thousands of dollars. It would have been possible to do it in the opposite direction by putting a "ceiling" on coverage above the level most people do use. However this creates the problem of forcing those with a high level of expensive care to "use up" their insurance coverage and end up going into bankruptcy (assuming they survive their illness).

Single payer systems control costs because doctors, hospitals, drug companies are told what they will get paid, not what they would like to be paid. In effect a system of rationing is put into place limiting what can be charged with a "limit" (such as the British NHS uses) as to how much will be spent, with cancer patients being denied the newest and most expensive drugs. In effect a "price" is placed upon your life, and beyond that point, you are on your own. As none of us are "immortal", it is realistic to do this since otherwise the cost would eventually sky rocket out of sight...