The what if's are very real and are quite common. People are born everyday with pre-existing conditions. People develop pre-existing conditions when they are too young to work everyday. I have had my insurance change several times at the job I am currently at. I have also changed jobs and my insurance changed. Making the original insurance company cover it is absurd. My first job was an old HMO that does not exist anymore so what then? Also, if your insurance changed at your company and you kept the original you would no longer get the negotiated pricing and your premiums would soar out of control. You don't address the fact that your premiums could easily become unaffordable and make it impossible for you to pay and as a result you would be uninsurable for the rest of your life. Of course when you mention the social fabric taking care of it, if you mean a public option or medicare then I am all in but you don't get out of paying for it. If you are talking about some magical charity that will cover the hundred million americans that you rendered uninsurable and it get its money from donations then that is as ludicrous as it sounds.
What you don't seem to get about doctors is that if they wanted to be more competitive with their pricing, there is nothing stopping them and insurance companies would love it if they charged less money.
Cheap cola doesn't compete enough to drive down the cost of other colas which I believe was your point in that the free market would drive down prices. If coke and pepsi are raising their prices then RC is having no effect on the free market.
If you don't mind me asking, how old are you?
I'm 40.
First I agree it's hard to figure what to do with pre-existing conditions. But again that's is real but statistically a small percentage of cases. What you are not seeming to understand is that free market does work.
I used to drink Coke. Now I I don't because of the price. But I have a option to make a choice for something cheaper. That works juts the same. They can raise prices all they want until they can't. Supply and demand.
The higher they go the more market share the cheaper alternatives get.
Look at ford and gm. Same thing until these cheaper companies took their lunch.
Juts takes time and the right price point.
Doctors or anyone providing service will never charge less willingly. They need someone competing with them to drive cost down. Explain why it works in every other industry in all of time but for some reason you dont think it works for doctors?
As for large charity's not being able to you seem to forget that is what filled that void for the longest time. Look at the massive churches and all the hood they were doing until the government started to fill the roles.
Think about this. I pay roughly 50k in taxes every year. I'm not the only one. Now if that money was left to me I indeed would spend a decent amount on charity because it makes me feel good.
That means I could probably donate enough to help someone out. But I don't have that choice now because they take it from me.
I'm sorry but the system you are standing behind is socialist and had never and never will work long term. It can't be funded
. Even this past year California failed to pass such a system because the 4rth largest economy in the world could not support it at the date level.