The trouble with our Healthcare system is that is completely subverts the free market and the laws of supply and demand. Consumers demand as much as they can get because they don't pay the actual cost. Suppliers charge as much as they want because the patients don't know how much it costs.
We need to get back to paying our own healthcare costs, because nothing will control the (currently skyrocketing) costs better than every consumer looking for the best deal. Of course there are catastrophic conditions and accidents which would ruin a person, and for that there should be health insurance. But just as your car insurance doesn't pay for your gas and normal maintenance, and as you house insurance doesn't pay for lightbulbs and such, real health insurance should be for real emergencies, not for normal doctor appointments and prescriptions.
One organization which is following this philosophy now is Christian Healthcare Ministries. Members pay normal upfront costs, and share in paying each others costs for high cost procedures through their dues and prayers.
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