@parados,
parados wrote:
I find it funny how conservatives use the word "many" and "much" when they mean "a small percentage."
Most people get their insurance through work. It is only in the last few years that businesses have even had the option to do high deductible plans in conjunction with HSAs.
I've always had high deductibles in the last 25 years or more, so again, your statement is wrong. High deductibles obviously existed before HSA's, but HSA's serve as an incentive to get people to go to high deductibles, which I believe can deliver more efficient and less costly medical care as well as insurance.
As I have repeated, it makes no sense to insure your house for broken door latches or such things. Higher deductibles make sense. I have $500 on my auto comprehensive, for two reasons. I think I come out ahead on incidents, such as fixing broken windshields vs paying higher premiums, but also with a lower deductible, repeated claims tend to cause higher insurance rates. Similarly, it would be senseless to insure a car to pay for maintainence, such as oil changes. Things like physical exams once per year are more like maintainence. What I am discussing here also points out why the prescription drug plan instituted by Bush was a bad piece of legislation. It is leading to more prescriptions and higher costs, and the program is already exceeding projections for cost, and it will only go higher, as all government boondoggles do. Some government boondoggles only take a few years to see them spin out of control, others take decades. I think we are only seeing the beginning of how bad and burdensome social security and medicare will become.