SicKo- Seen it?

[Clodfobble]

HM, there are lots of forms of insurance that are profitable. I think the biggest problem with health insurance is the loss of competition due to health insurance being a standard employment benefit. I can't reasonably change providers even if I'm unhappy with them, because my employer (my husband's employer, whatever) chooses the plan. And their main concern is cost; employee satisfaction is somewhere in there but definitely not as important.

In my ideal health care system, 2 major changes need to occur:

1.) No more employer-provided benefits. Everyone pays for their own insurance (salaries are raised accordingly to reflect this change), and they are free to shop around among providers.

2.) Catastrophic coverage becomes the norm. The insurance model in general is designed to cover disasters, not generally subsidize everything so you pay a $15 copay on your $35 prescription. No other type of insurance does this--my auto insurance doesn't have me pay a copay on my oil changes, they just cover the unexpected $2000 wreck. And auto insurance is competitive and profitable for the providers.