Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???
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Aleferny: did you read the post at all before you replied? He's in favor of checkups and oil changes. He just thinks they should be paid for out of pocket because it would lower the cost for everyone. I really believe the average person would end up saving money if they went with a plan like this because his or her premiums would decrease by more than the cost of the annual checkups and the occasional sick visit.
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