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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Wait…are you saying that Obama’s signature legislation, the Affordable Care Act, is actually not affordable and requires massive taxpayer funded subsidies to stay afloat!?! Who would have thought?!? The Great Divider Messiah could actually be wrong. Wow[/quote]

Yeah, we did NOT get what Obama really wanted as the R in congress worked as hard as possible to ensure that.  Had we gotten actual Universal Healthcare, pricing would have dropped as well, because costs would drop.

But the fact that I can go get a mammogram.  The facility charges $900.  If I have good insurance, the negotiated rate is $200, but if not it can range anywhere from $200 up to the $900.   UHC would bring us the following: 
Procedure X is $A in Region 1, $B in Region 2, $C in region 3, etc.  Everyone gets the same negotiated rate for their area.  If you have insurance it's filed with them, if not, then that's the cash rate if you pay that day.  (but with UHC everyone would have insurance).  Right now, the cash person has to negotiate and hope for a lower rate than $900.  They should be entitled to $200 (or less since they are paying cash upfront and the company does not have to deal with billing insurance and waiting 3 months for payment).

[b]Many of us just want High deductible insurance for true emergencies and Negotiated rates for everything else.  I'd self insure if I could get that.  And most years nothing would be paid for by insurance[/b].  [/quote]

Yes, this is exactly what many people want, affordable catastrophic care plan, so that you don't get in debt 7 figures if you end up in a hospital or need a $$$ life saving treatment, and cash for everything else that should be affordable and offered at an "insurance discounted" rate like you pointed out, since this is all the provider is going to get anyway if that.  Many providers prefer to charge cash up front and are willing to negotiate.  But people get ripped off in the facilities that have to charge them premium to cover their shortfalls from treating uninsured patients or those who can't pay their bills. There is also a lot of fraud in insurance billing by the providers themselves who try to double dip or upcharge.  There is fraud in medicare taking facilities too and everywhere where tax payer $$$ stream is involved.

Are there even any plans where your visits and scans/tests are 100% covered that aren't over-subsidized by the employer/government or requires poverty qualification like Medicaid?  Every plan seems to carry a high deductible making all your routine care (if you are healthy) out of pocket.  [/quote]

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