one major reason why our health insurance is high is because of its wide scope.
When you take car insurance, it does not pay for oil changes, tire repair etc, since these are considered regular maintenance. If you don't do this, then your car will fall apart faster and again, you are on your own...
Not a straight analogy, but if we make people pay on their own for regular visits, mandate tha they must visit a doctor (their choice) etc which they pay out of pocket -- then only unexpected events are actually covered by insurance -- and the cost is lower.
The employer spends less, and hopefully, a substantial portion gets back to the employee's paycheck.
When you take car insurance, it does not pay for oil changes, tire repair etc, since these are considered regular maintenance. If you don't do this, then your car will fall apart faster and again, you are on your own...
Not a straight analogy, but if we make people pay on their own for regular visits, mandate tha they must visit a doctor (their choice) etc which they pay out of pocket -- then only unexpected events are actually covered by insurance -- and the cost is lower.
The employer spends less, and hopefully, a substantial portion gets back to the employee's paycheck.