The Paradox of the Healthcare Slowdown
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  • gerald

    To me, the solution for high deductibles would be Health Saver Accounts with roll-over from year to year. The older versions demanded that you empty the account at the end of the year or lose the money: The fact that it was the LAW that demanded that means we should have a) found out who wrote THAT into the LAW and made sure they got fired and never allowed to hold political office ever again, and b) changed the LAW.

  • Corlyss

    “Even as costs go down overall, individuals feel like they’re paying more.”
    The user don’t care if someone else’s costs go down, even the government’s, if he has to pay more for the system than he was, it’s not going to seem “fair.” (Organized whiners will get their congressmen to change the legislation to exempt them or provide more subsidies, just like they always do, and the rest of us will be stuck paying even more for less.)

    “any consumer-directed reform to the system is going to have to offer generous subsidies”

    That’s fine with the Dems and RINOs. But what are they going to do when we no longer have a Defense Department (because all the money has been syphoned off to take care of the old, the disabled, and other non-producers, more of which we are creating with every ‘fix’ of the the law)? Pretty soon, with the way the Dems run the system, 100% of citizens will be eligible for some kind of relief, and nobody will be producing anything.

  • Jacksonian_Libertarian

    You are ignoring the Tax Free Health Savings Accounts that are a part of the High Deductible Health Insurance, that you put your deductible into every year, and from which you pay when you need medical care. If you don’t use up your deductible in one year the excess is still in your account to be used in the next year. Also, when you go on medicare at retirement, any money in the HSA becomes part of your retirement.

  • lukelea

    What you want to insure against are catastrophic medical expenses running into the tens or even hundreds of thousands of dollars that can bankrupt a family. Several thousand dollars might hurt but, with financing, should be manageable. Hospitals and doctors should be willing to work with such families, as many are already today if you ask.

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