Comment Re:You shouldn't need insurance for most things (Score 1) 739
The problem with universal healthcare is that it lacks incentive for actually curing people and adds pressure to cut corners in their treatment. I personally am for a hybrid system. I'm not sure what it'd look like, but I've learned so far in life that the best answer rarely lies in extremes and is usually a balance of those extremes.
In the public healthcare system, as you've said, "Doctors order test after test to cover their asses against malpractice suits", but there's another side effect of that: diseases/illnesses are more likely to be found. A higher screening rate generally leads to more lives saved, admittedly at greater cost. I agree there's way too much waste and lack of efficiency in the system, but in a system that is set up to save people's lives, how do we establish efficiency if, to be more efficient, we have to let more people slip through the cracks?
Admittedly, that's probably counter-acted by the number of people who don't get treatment when they should due to cost, but in a universal healthcare system, even if tax payers do foot the bill, there is a budget. So in that system, you take the incentive of more tests for CYA & profits and trade it for pressure to avoid more tests as it cuts into what budget you have. i.e. less screening means more people fall through the cracks due to budget concerns.
To me, that choice between private & public health care is a catch-22 as, either way, the system is set up in a way that an excessive amount of people fall through the cracks. Which is why I'd prefer a hybrid system.