Originally Posted by Huston55
Hoosier: As noted above, I didn't mention health insurance companies. So, your defending a group that has not yet been accused of anything. Seems to me, thou protesteth too much. And, honestly, insurance companies on the front lines fighting for more efficiency; really?
On the final point, "excess US HC costs", we do agree. So, we got that goin' for us.
So, my comments are about the inefficiency of our system, as is simply and clearly noted by Totoro below:
All the facts i've seen point to a system that's too expensive for what it delivers.
PS: this is all kind of off point from the OP's post so, I suggest someone start another thread if he desires this discussion to continue.
My initial "disagreement" was not with you but with another's notion that it was insurers who are doing the "robbing". I think all here agree that US HC costs are WAY too high for the product delivered.
But who else besides the HI industry, flawed as it is, is currently in a position to push back against these high costs? Legislators avoid the issue 'cause they are far too busy trying to stay elected. And the individual patient has no clout. I don't see providers, Big Pharma, device makers, etc. stepping forward to offer meaningful price cuts. And HC fraud takes no holiday. So where else is the day to day push against overutilization, inefficiency, and overcharging going to come from?
FWIW- IMHO this modest digression is related to OP's post. OP's HI premiums are roughly in line with what many others are paying (unsubsidized). In fact HSA-eligible Bronze Plans in my region are somewhat higher for similar age profiles. These high HI premiums are due to overall high cost of care in US, not due to price gouging by a single HI company. A substantially lower price is not likely to be found without moving to a lower-cost region....or out of the US