Comment Re:Single Payer Health Care is Great ! (Score 2) 486
You don't understand how insurance works
The real problem is that "health insurance" isn't insurance, it's just a means for moving money around. Unless you wander off into a forest and die or fall into a volcano or a vat of molten lead, there is a 100% chance that you will require medical care. As for pre-existing condition clauses being required, imagine if Homeowner's insurance had "fire" as a pre-existing condition that followed you for the rest of your life. You have one grease fire in the kitchen and you can never get home insurance again. Unlike a house or a car, you can't yet replace a body. Once your roof is on fire, it's on fire forever. Except that with health "insurance" we expect insurance companies to keep replacing the roof as it burns and then watch the new roof burn too.
The REAL real problem is that modern top-of-the-line healthcare is incredibly expensive, and we're losing cheaper older technology that was generally "good enough", largely because of the enormous opportunity cost of manufacturing an older generic drug versus manufacturing a new patented drug. Good luck finding a doctor under 60 with the knowledge and mix to make a plain old plaster cast, because charging a % overhead on a $1000 fiberglass epoxy cast is way more profitable than on $5 worth of plaster of paris. Plain old insulin is another one that suffers from constant improvements - each slightly more expensive than the last.
are expensive because the vast majority get their insurance through their place of employment. Like any product, if demand is low, not many companies will provide it and it will cost more
Like "any" product? Are you sure about that? Someone is at the grocery store sitting there adjusting the charges as you browse because you pay more for the exact same apple because you're self-employed than if you worked for Ford? I'm sure you imagine that a Ford employee's apple must somehow be less nutritious or valuable than a self-employed person's apple, but I'm not seeing the difference from here. Generally employer-provided insurance is cheaper because they pay some portion of the premium for you (and get a tax deduction for doing so). That's why people get sticker shock when they leave the company and sign up for the COBRA extension: It's the exact same insurance but now they have to pay 100% of the premium themselves.