Health insurance should be more like car insurance, you pick the coverages and the deductibles to meet your?

The health-care debate has centered on the uninsured. That so many people do not have health insurance is a consequence of foolish government policies: regulations that raise the price of insurance, and a tax code that ensures that most people get their insurance through their employer. If you don't work for a company that provides health insurance, you're out of luck. People locked out of the insurance system still have access to health care. But they often end up in emergency rooms because they did not receive preventive care. For most people, however, it is another aspect of our employer-based health-care system that causes the most trouble: the insecurity it creates. People worry that if they switch jobs, they will lose their health insurance. They worry that their company will cut back on health benefits. Universal coverage is not necessary to address these worries. Making it possible for individuals to own their health-insurance policies themselves, rather than getting them through their companies, would solve the problem. It would also reduce the political momentum behind socialized medicine.
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Actually, individual health insurance is already that way. I could get you a policy with a zero deductible and I could get you a policy with a $25,000 deductible, and almost everything in between. You can get policies with unlimited doctor visits for a co-pay, limited doctor visits (2, 4, or 6 per year) for a co-pay, or no doctor visits. You can get policies with or without prescription coverage. You can get policies that have X-rays and lab work for a co-pay or that have X-rays and lab work subject to the deductible. You can get policies that cover maternity and policies that don't. The problem with the selection is that it makes health insurance very complicated. In my area there are nearly 1000 different options available to you. People try to find a policy using the internet to compare those 1000 plans instead of using an agent; then they get upset because the policy they got (usually because it's the cheapest) doesn't cover want they want covered. Group policies do have fewer options, but that is because nobody wants to pay for more options. You can get nearly all the options available to individuals in a group policy, but because of the mentality of the employees expecting every little sniffle to be covered the group policies are usually limited to one or two options for each employer.
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