Comments by "whyamimrpink78" (@whyamimrpink78) on "Secular Talk" channel.

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  14.  @tonedowne  , the private sector is fully capable of handling healthcare. The problem is that we don't have a free market system in healthcare. We have a heavily regulated system with subsidizes. The biggest problem is how insurance has become healthcare. Compare to car insurance. Despite being mandated in every state car insurance is affordable. Why? Because car insurance covers unplanned, expensive situations like an accident. It does not cover oil changes or new headlights even though they are needed for a safe and reliable car. The reason is because those are cases you can plan for and shop around for. Healthcare insurance should be the same way. If healthcare insurance only covered unplanned, expensive cases than the price will drop. Many cases can be paid for out of pocket where people can shop around where the price will drop as well. Case in point. LASIK eye surgery. Over time the price has dropped and the quality has improve where LASIK is not covered by insurance but paid for out of pocket. A reason why healthcare insurance is healthcare, in my opinion, is because of the payroll tax. Because of that businesses pay employees with healthcare insurance as opposed to a higher wage. Thus healthcare insurance is a form of payment and thus has become healthcare. That is a problem. Instead of people shopping around for their own plans and having insurance be insurance, it is a form of payment and thus has become healthcare. That gives insurance companies too much power. If we had a free market system in healthcare than insurance companies will have to compete and will become insurance companies and healthcare prices will drop and quality will improve.
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