From the standpoint of most of the rest of the developed world, the US medical system is... weird.
TL;DR - we have doctors in places that make it easier to get high end medical care but much more difficult to get routine medical care, and a system that incentivizes people not to spend money, to the benefit of the insurer. The supply shortage is not getting better (due to the long lead time to training medical professionals), and there's a lot of friction that makes it more advantageous to get paid more to do specialist care for the same amount of time worked, because the overhead involved makes it much harder and much less rewarding to do basic care, beyond the issue with paying back student loans.
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First, let us look at cost. The US has a reputation of having really good specialist care - so good that apparently well heeled people from other countries regularly come here to have cutting edge procedures done, or to do routine scans that are booked up in their home country.
"These hospitals and clinics are offering inbound medical tourism services to patients who come to the U.S. for higher quality than they can receive in their home country, access to procedures that are not available in their country’s healthcare facilities, freedom from long wait times or the rationing of procedures because of national governmental regulations, because of the ability to combine tourism opportunities in the U.S., and/or (believe it or not!) because the price differential- paying for services in cash in the U.S. may be less expensive than in their home country."
https://www.magazine.medicalto...
"For many Canadians, the prospect of enduring prolonged wait times for medical imaging, such as MRI scans, prompts them to explore alternative avenues. This has led to a growing trend of Canadians venturing south of the border to the United States to secure expedited MRI appointments."
https://www.cmimri.ca/navigati...
Paradoxically though, we have the opposite happening within the US, where some patients resort having procedures done overseas. We also have long lines in order to get seen by general practitioners. In other cases, US citizens forego basic care due to cost.
"Medical tourism is a worldwide, multibillion-dollar market that continues to grow with the rising globalization of health care. Surveillance data indicate that millions of US residents travel internationally for medical care each year. Medical tourism destinations for US residents include Argentina, Brazil, Canada, Colombia, Costa Rica, Cuba, the Dominican Republic, Ecuador, Germany, India, Malaysia, Mexico, Nicaragua, Peru, Singapore, and Thailand. Categories of procedures that US medical tourists pursue include cancer treatment, dental care, fertility treatments, organ and tissue transplantation, and various forms of surgery, including bariatric, cosmetic, and non-cosmetic (e.g., orthopedic)."
https://wwwnc.cdc.gov/travel/y...
"Opponents of universal health care often predict it would lead to long waits to see a doctor, but patients in the U.S. already face unacceptable delays in getting routine care.
Jam-packed appointment schedules have endured for years. Check out this Business Week story from 2007: “The Doctor Will See You—In Three Months.” However, the lack of a national reporting system to track and disclose wait times to the public — a feature in some other countries — has largely obscured the problem here.
With no comprehensive data, journalists rely on a hodgepodge of studies that suggest patients often wait a month or more for a slot on a doctor’s schedule."
https://healthjournalism.org/b...
"In 2023, 27% of American adults skipped some form of medical treatment because they couldn’t afford it, according to the Federal Reserve. This is lower than the 32% who avoided care in 2013, when data collection began, but ties with 2015 and 2017 as the fourth-highest year on record.
The probability of declining medical care seems to correlate with income: 42% of people with a family income under $25,000 skipped some medical treatment in 2023, compared to 12% of people with incomes over $100,000."
https://usafacts.org/articles/...
This seems to indicate that in the US, we're prioritizing patients who can pay, over patients who can't. If you can pay in cash, jump to the front of the line. If you don't either get in line, or get out. This ties into health care as a limited resource - not enough general practitioners specifically, but insufficient medical staff generally:
"The AAMC reports that physician shortages hamper efforts to remove barriers to care. If populations that are underserved by the health system had health care-use patterns similar to populations with fewer access barriers, the U.S. would be short between 102,400 and 180,400 physicians."
https://www.ama-assn.org/pract...
"One reason for the expected shortage is that some 20 percent of clinical physicians are aged 65 years or older, putting organizations in the position to soon lose a substantial number of physicians to retirement.4 The expanding gap in the physician workforce is particularly consequential given the projected growth in patient demand: the number of people aged 65 and up—an inherently higher-need patient group—is expected to rise to 23 percent of the population, from 17 percent, by 2050.5"
https://www.mckinsey.com/indus...
This shortage of medical staffing leads the US to brain drain other countries for doctors, nurses, etc., which negatively impacts health outcomes in their home nations, but provides an important source of hard currency.
"We should be equally concerned with the invisible ripples, both in ASEAN and in the global north. In general terms, the ASEAN private sector is increasingly assertive in training doctors and nurses with the express intention (or more accurately, sales proposition) of exporting them upon graduation. For example, just two Filipino medical schools trained as many as 6,100 physicians now working in the United States. "
https://www.thinkglobalhealth....
Further... in the USA, the high cost of becoming a licensed medical professional (financed with debt) means that graduates need to find high paying jobs... which means taking a specialization instead of becoming a general practitioner.
"A recent New York Times editorial entitled “Student Debt and the Crushing of the American Dream” states that “robust higher education, with healthy public support, was once the linchpin in a system that promised opportunity for dedicated students of any means[but now] the wealthiest are assured a spot, and the rest are compelled to take a gamble on huge debts, with no guarantee of a payoff” [3]. In higher education, educational debt is choking off opportunities for the latest generation of college graduates. In medicine, educational debt is driving medical school graduates away from practicing in underserved communities and entering primary care specialties—what our country will sorely need in the coming years."
https://journalofethics.ama-as...
Normally, in this situation - economics would dictate that general practitioners, in short supply should get paid more, and things should balance out. In fact, you'd think that insurance companies, desiring lower cost, would have a vested interest in encouraging more people to become medical professionals. However, in practice, I think what is happening instead is that people are just being discouraged from seeing the doctor instead, or being forced to pay in cash to avoid using insurance.
After all... medical insurance wins if you never claim, or if your claim is denied. To ensure you don't claim, high deductible plans exist, with the idea that patients with "skin in the game" will be less likely to "frivolously" use medical services.
There was also a bump in residual weirdness starting about 15 years ago due to electronic health record (EHR) requirements:
"At the time, that poll noted that many healthcare leaders had informal efforts and discussions to monitor and address burnout among physician and staff, while others looked specifically at the issue of their organizations’ EHRs and investing in adding functionalities specific to their specialties to make them more intuitive and less cumbersome for physicians and other clinicians to use.
Studies prior to COVID-19 also link higher levels of clinician burnout to dissatisfaction with the EHRs they use: A 2019 study published in Mayo Clinic Proceedings showed a strong relationship between the odds of burnout and EHR usability — and the usability of EHR systems at the time received an “F” grade from physician users.
A recent American Medical Association (AMA) playbook for saving time within a physician practice highlights the ongoing need to eliminate “stupid stuff” from the workflows of physicians and others, based on a program from Hawaii Pacific Health that highlighted more than 300 time-wasting EHR activities that could be removed."
https://www.mgma.com/mgma-stat...
The requirement to adopt EHRs basically drove most small practices out of business - forcing early retirements, or sale to larger organizations that could staff an IT department to handle the intricacies of dealing with sensitive patient information stored in digital format. This also did not help with maintaining the supply of general practitioners, or keeping prices low (since now you have the overhead of having to maintain an IT department and associated capital spending.) The idea from the government's point of view was EHRs were supposed to liberate patients - by allowing their medical information to be portable, they could better pick and choose who to go to, get better quality of treatment by making sure records could flow back and forth, and take charge of their own medical information. The reality has been a lot more liability from an expanded attack surface.