Posted by MikeT23 on 11/2/2012 8:26:00 AM (view original):
So you were afraid to quote the entire post? Do you think I can't remember yesterday?
As I said, you can send people to the doctor all you want for preventative care. There is NO GUARANTEE that it will help simply because people are gonna do what they like to do. If that's eating a box of donuts while injecting heroin, a doctor saying "Hey, fatass, stop injecting heroin" will not reduce insurance costs on the back end.
Honestly, you seem to be someone with zero life experience but with a working knowledge of insurance numbers. Unfortunately, "healthcare for everyone" because you read that it's a good thing isn't correct. Obviously $100 is less than $800,000 but it just doesn't have real world application in this situation.
Let's start at the beginning:
You stated that people going to the doctor for things like cuts that need stitches are the reason health care costs are going up.
I disagreed. Not only is the incidence of policy holders using of health coverage unnecessarily relatively low, but also, in the long run, encouraging people to take care of small problems before they become big problems lowers costs.
Then you spewed 3,281 pages of non sequiturs about personal responsibility and preventative care not guaranteeing that people will be healthier because you can't tell people what to do.
Once again you're conflating the issue. Person A is injured/sick/in pain and wants to go to the doctor to try to fix the problem. Person B eats donuts and does heroin. Which person is going to be the one that wants to go to the doctor when (god forbid) they might have been able to solve the problem at home?
Person A is who this discussion (which you started) is about. Not person B.
I've seen the actuarial tables on this stuff and sell group health (along with property and casualty lines) for a living. You run a trucking company and think work comp is comparable to health insurance in terms of incentives.