Every discussion on healthcare payment structures in this country is completely asinine.
Healthcare is best managed as a risk pool. The bigger the pool, the cheaper to be in it. The biggest risk pool is everyone. Therefore, we should put everyone in a single pool.
How we manage this is a separate discussion. Private, public, maybe a federally chartered non-profit like the Fed.
But as long as we keep ourselves fractured into thousands of different risk pools, all these discussions about deductibles and HSAs and whatnot are just chasing our own tails.
Healthcare is best managed as a risk pool. The bigger the pool, the cheaper to be in it. The biggest risk pool is everyone. Therefore, we should put everyone in a single pool.
How we manage this is a separate discussion. Private, public, maybe a federally chartered non-profit like the Fed.
But as long as we keep ourselves fractured into thousands of different risk pools, all these discussions about deductibles and HSAs and whatnot are just chasing our own tails.