| We are facing a healthcare crisis in America. But it | | | | light bulb in your home? No of course not. And why? |
| may not be the one that everyone's talking about. | | | | Because those everyday expenses are affordable, |
| Much has been said in the news lately and in political | | | | we expect our insurance to cover only the |
| campaigns about the health insurance crisis in America, | | | | catastrophic expenses - except when it comes to |
| and the problems of the 47 million and growing | | | | medical insurance - we expect it to pay for everything |
| Americans without access to affordable health | | | | - and why is that? Because the cost of everything in |
| insurance coverage. Now these things are a problem | | | | healthcare even what should be reasonable and |
| to be sure. But let us take a minute to look at the | | | | affordable expenses like doctors visits and medicine |
| problem another way. It is not really the costs of health | | | | are astronomically high. And why is that? |
| insurance that is the main problem in the country's | | | | There are many reasons, and they go well beyond a |
| health system; it is the cost of healthcare itself. The | | | | simple article like this one. However here are a few of |
| cost of healthcare in this country is ridiculously high and | | | | the tops according to economists. In other industrialized |
| skyrocketing. If medical insurance fees are also | | | | nations, healthcare costs are kept under control |
| astronomical it is only a reflection of the actual high | | | | through government regulation. But here because of |
| costs of healthcare. True healthcare reform should be | | | | the influence of powerful lobbying groups for the |
| targeted at reducing the cost of healthcare, and not | | | | insurance and drug industries the government has |
| necessarily the costs of health insurance. | | | | done very little to regulate or place any ceilings on the |
| Consider this. What is the purpose of insurance, any | | | | costs of healthcare. We also live in one of the most |
| insurance? Forget about health insurance for the | | | | litigious societies on the planet. Lawsuits against |
| moment. Think about other insurance you have in your | | | | doctors and healthcare organizations filed by |
| life, such as auto and homeowners. Those insurances | | | | class-action attorneys looking for million dollar payouts |
| have been designed to protect us from financial ruin in | | | | terribly drain the system. In many states, high |
| the event of an unforeseen crisis like a car accident or | | | | malpractice insurance costs cause physicians to raise |
| a major windstorm. Similarly that was the intended | | | | and raise fees, and have driven doctors out of |
| original purpose of medical insurance, but somewhere | | | | practices all together, causing shortages in certain |
| along the line that got skewed. Some states have | | | | specialties. Supply and demand - less practitioners in a |
| recently enacted plans the require persons to | | | | given specialty drives up costs. Fear of lawsuits has |
| purchase medical insurance, much like all states require | | | | also encouraged the practice of "defensive" medicine, |
| you to purchase car insurance - so that is a good | | | | where doctors will often order additional tests or |
| thing. However once again do you expect your car | | | | procedures to avoid litigation. And it goes on and on. If |
| insurance to pay for the gasoline you put in your car or | | | | we really want to solve the affordable health |
| the routine maintenance you do like oil changes? Do | | | | insurance crisis here in America we must first make |
| you expect to have your homeowner's insurance pay | | | | healthcare in general more "affordable. |
| for every time you re-paint your walls, or replace a | | | | |