While we all are thankful to have great doctors practicing in well equipped hospitals with skilled staff, the concern for how to pay for this first class care, and the financial impact of some catastrophic illness or injury, scares us to death. This fear is what motivates many to acquire health insurance in the first place.
Over the next several postings I want to address some of the misconceptions about how health insurance works and why some of the proposed “fixes” will actually make the system worse, or even lead to the total collapse of our private health insurance industry. I plan to examine how health insurance has protected both the health and financial well being of tens of millions of Americans, helped to restrain rising health care costs, and contributed to a steadily increasing quality of care for everyone.
As I attempt to take each point separately, understand that they are interconnected and to fully appreciate the total picture I want to paint, I will title each post as a chapter segment, to help clarify the need to read all of the posts in order to get the whole story.
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