My guess is that they allocate their funds to other things before health ins. This is not the only insurance that is low on the list - look at uninsured motorist - 12+% - similar to health insurance.
Uninsured Drivers Increasing; Vary by State; Miss. Highest, Maine Lowest
90% of USA homes have either cable or satellite TV
WikiAnswers - What percent of American households have cable or satellite tv I ask because it strikes me as odd that all the debates are only on cable..
Average U.S. Home Now Receives a Record 118.6 TV Channels | Nielsen Media Research
Why are there no discussions about housing costs, rental profit margins, reducing that cost or comparing the cost with other nations?
But cable TV costs about $60/month and car insurance about the same, except for young people. Both are easy to obtain in contrast to health insurance. The real problem with health insurance in our country is that, for example, the exclusions leave the insured person at great risk or uninsurable. High risk pools have limited maximums and high premiums.
And for a lot of people with health insurance saving up the amount of money they might need to pay the co-payments if they have a serious major illness or accident is beyond their capability. Also most policies have a one million lifetime limit. A major illness or accident can eat that up in no time. So they end up bankrupt.
The key point is this:
"My guess is that they allocate their funds to other things before health ins."
It isn't so much the cost of car ins, cable tv or housing. It is that maybe health ins. isn't high on the list or is crowded out by other choices.
This is similar to the idea of "paying yourself first" If you pay yourself first then the remaining funds are allocate to your other expense line items. The reverse is that people pay all there other expense line items and then "pay themselves last", if there is anything remaining.
