I have a friend who has great health insurance. This friend goes to the doctor (not exaggerating) 2-3 times per month at least for ailments and illnesses. Now, if this friend had to pay a large deductible like me he/she would not go. I find that people who have great health insurance tend to abuse it. I wonder if the rest of us pay for those who have great group health insurance. Those folks go all the time because the co-pay is almost nothing. I think that needs to be changed. People do not need to go to the doctor for every single cough, cold, sneeze and ailment. Sometimes you need to take a couple aspirin and go to bed. Simple as that.

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Wow! a very good article. It gives all the benefits and shortages about health insurance.

This article is really puzzling. It says a whole bunch of things about health insurance that are rather obvious and not problems at all. Then in the last paragraph, it makes a lot of false claims.

For example, you need not have faith that your insurance carrier will be there when you need it. You can evaluate the financial stability of insurance companies before you choose one.

As for health insurance being hard to afford if you are sick, it is only because health *care* is more expensive if you are sick. This is not an effect of health insurance, it’s true of just about everything. Guess what, 30 gallons of gasoline cost more than 10.

I agree with the Blogger and several of the comments that there are problems with the nature of health insurance in the US. The government and the health insurance industry are looking at the problem of over utilization of health insurance resources. Some carriers are providing incentives for healthy living lifestyles. One of my carriers provides discounts on several life insurance products for good lifestyle and for doing things like loosing weight. HSA Health insurance plans provide a financial incentive for not over utilizing health coverage and provide a financial disincentive for running to the doctors with a simple case of the sniffles.

I feel it is also important to realize that nationalizing health care is not a simple or a good solution either. The countries that have done that deal with massive explosion of health spending in the economy and in most cases Restriction of access is usually implemented. In the UK and In Canada access to specialists can be severely restricted. In the UK it can take 10-12 months to get an appointment with a specialist. Is that what you want to see happen in the US. I doubt it! You will also have cases where a healthy senior would be denied care for a problem but that an obese drug addict would be able to get care for. I am not condemning someone for an addiction problem or obesity but there is some element of choice there. They have made at least 4 major bad life style choices in this hypothetical situation. They have decided to become a drug user, they are over eating, they are almost certainly not making healthy eating choices when they do eat and they are typically not getting nearly enough exercise. It is possible to do something about all four of these bad choices.
If you get help and work on those four problems several things will happen. Your health will imprrove, you insurability and rates will improve, your life expectancy and you quality of life will improve.