Originally Posted by free4now
I favor some sort of universal HSA type catastrophic health insurance for everyone in the US, where the first few thousand per year comes from the insured. That will keep this waste from getting out of control; people will just bring a bottle of tylenol from home and mail order their wheelchairs.
I've had a HDHP with HSA for a couple of years now and I've accumulated about $5000 that would have been paid out in just premiums so I'm pleased I've accumulated some money.
More notably I've also noticed how it's changed my behavior when I'm buying healthcare. On many occasions when I would have sought service under my old HMO I''ve delayed service started feeling better and never needed an office visit. I've also had issues that were concerning to me but may not have been approved for payment by my HMO as medically necessary. When I saw my provider hesitating to order tests I said hey this is a concern I've got and nobody will fight this because I'm the guy paying, and they've written the order. I don't believe I would have received those tests if it was up to the insurance Co... Thankfully those tests came back in my favor and one could argue they should have never been done, at the same time concerns I've had for 5+ years were put to rest so I was happy to pay for that.
I read every bill, I work to push tests that were every three months to four months so they recur 3 times per year not 4. I am an active participant in my healthcare and I would buy the darn wheelchair mentioned in previous posts.
We do have a mess with our current system I sure hope the fix unlinks employment and keeps the individual involved in their care.