Here is an article worth reading about the nature of health care expenses, how we make the decisions about what to spend and how much, and why having your own health insurance policy may mean that you are a better cost risk than someone on a government or employer’s plan:
http://www.cnn.com/2009/POLITICS/06/15/miron.health.costs/index.html
Jonathan Pletzke is a consumer expert on health insurance and author of the health insurance book Get a Good Deal on Your Health Insurance Without Getting Ripped-Off, available online and at bookstores nationally. Additional details can be found at the consumers health insurance book and resources website www.BestHealthInsuranceBook.com. Copyright 2007-2008 Aji Publishing.
Tags: Government Health Insurance · Health Insurance · individual health insurance · Jeff Miron · medicare · Obama Health Insurance Proposal1 Comment
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As long as we have a system with a third party payer we will have cost higher than the inflation rate. I have heard people joke about $2 cotton balls and $4 asperine on their hospital bill. The best approach is one that allow us to shop for health care the way we shop for most other items. Use the Major Medical concept. We pay for all cost up to a given maximun say $10,000 per year per family. Combine this with a health savings account and you eleminate about 90% of claims and thus 90% of paper work. You go to the MD and you pay as you go. What you dont use you save and at retirement you get back what you didnt use