To fix medical service affordability we need to bring down the cost of the services instead of expecting significantly more efficient insurance plans. We can’t insure away high costs. They just pass through the costs via premium and deductible increases. Even if health insurers were nonprofits that would only directly save us 5%. High deductibles encouraging shopping around but price discovery is very limited as even doctors don’t know how much a service costs. Focusing on price alone is an issue as people don’t know medicine and are unable to evaluate quality so they end up giving five stars for having a private room or suck up staff. What ends up happening is the not well off or frugal avoid care until there’s an undeniable problem. Others consider consuming medical services a dignity not a price and will never give up their low co-pay plans.
The only way to control costs is to increase supply or decrease demand. If they want to lower health care costs, then increase the number of residency spots so there are more doctors...or reduce the requirements to becoming a doctor. Or make it so you don't need to see who went to school until 30 years old to get a simple antibiotic for routine conjunctivitis.
