Catastrophic Health Care

Ben Carson gave my favorite answer at the last Republican Debate, about Health Care.

Listen here: https://www.youtube.com/watch?v=wWGEvQ3b9xY&t=3m50s

Although he calls it a "Health Empowerment Account", which is bad because it means the government may have control of your money, it is a good plan, because:

1. You are your own insurance -- no need to deal with the insurance company middle man.
2. You pay your own bills out of that account, for all regular doctor visits.
3. You buy "Catastrophic Health Care" insurance, for when something goes terribly awry.

#2 alone would completely fix our healthcare system. Currently, no one pays their own bills, so they don't care how much it costs. This allows costs to skyrocket and no one cares. In order for the free market to work, everyone much consider their own costs, pick the best value, and push back against high prices.

#3 means health insurance would be real insurance again. Your home insurance doesn't pay for light bulbs, and your car insurance doesn't pay for gas and oil changes. Why should health insurance pay for every doctor wellness checkup?

As he says, health care is not a right, it is a responsibility.