Do health insurance companies affect the cost of healthcare or healthcare affect the cost?

of insurance? people say healthcare and health insurance like its the same thing.
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They are symbiotic in a way...But healthcare costs effect the cost of health insurance. Even though the water is a little muddy, it's like saying does my car make my insurance more expensive or does my insurance make my car more expensive. Generally consumption drives the cost of healthcare...and the single largest problem facing this country is the huge number of people who receive treatment without insurance. People both legal and illegal go into ER's every week and get free worldclass healthcare....but since they simply shrugg off the bill and accept the bad credit score....the cost of their procedure is born by those who have health insurance. Insurance is basically a large pool of money where only those who need to draw from the pot....it is a collective revenue pool made up of thousands if not millions of people who each make contributions monthly or annually or whatever....when someone gets sick or needs to go to the doctor...they draw a little money out of that pool to help them pay for it. The problem with the Obama plan is that he proposes between 30 and 45 million non-contributing members to the ranks.....all these peoples expenses will be born by the rest of us since they will not be making contributions. Obama and Baucus are combating this revenue problem by forcing young people between 18 and 30 who typically do not buy insurance to do so. These millions of healthy people making contributions will be the revenue pool that Obama uses to pay for the medical bills of the medicare members and the non-contributing lower class members. And they are young and healthy so they will not drain the revenue pool. It is an age old trick of politicians to take money from the young and give it to the old....they are already doing that with social security....what Obama is proposing isn't change....its the same ol same ol with some really fancy smoke mirrors and window dressing. Insurance only effects cost when you have insurance like Medicare which won't pay the full amount....Obama's medicare plan proposes to make even more cuts to medicare to the tune of 500 Billion dollars...when Medicare is already a program that sets limits on compensation....so those expenses that Medicare doesn't provide for are in turn rolled over into the private market. Obama is exploiting a terribly complex situation by keeping it terribly complex when in fact all he is doing is transferring the burden onto young people and private insurers so that he can enroll 30 million non-contributing members and continue to get votes of elderly by keeping medicare running (which is about twenty years from destroying our economy) but placing the bulk of the costs on private insurers. Then he includes a public options that takes on a small minority of people who MUST contribute to the plan....and when the private market insurers start to crumble under the weight of all the burdens Obama has placed on them and the young of this country....Everyone will be routed to the Public Option....and he will realize the Single Payer system that he envisions. It doesn;t have to be complicated...he wants it to stay complicated...because it is easier to obfuscate the truth on something people don't understand. Young people will pay more.....private insurers will pay more...the government will pay less...and less...and transfer those costs onto the private market.....once the private markets starts to crumble...they route everybody onto this contentiously debated PUBLIC OPTION.....OPTION IS A NICE CONVINCING WORD DON'T YOU THINK? YOUNG PEOPLE VOTED HIM INTO OFFICE BUT THEY ARE THE FAT DONATORS AND DONT PULL LEVERS OF POWER SO THEY ARE GONNA GET SOAKED ON THIS HEALTHCARE PLAN.
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