I think Ann Coulter is on to something.
Right now, there’s no free market because insurance is insanely regulated not only by Obamacare, but also by the most corrupt organizations in America: state insurance commissions. (I’m talking to you, New York!)
Federal and state laws make it illegal to sell health insurance that doesn’t cover a laughable array of supposedly vital services based on bureaucrats’ medical opinions of which providers have the best lobbyists.
As a result, it’s illegal to sell health insurance that covers any of the medical problems I’d like to insure against. Why can’t the GOP keep Obamacare for the greedy — but make it legal for Ann to buy health insurance?
This is how it works today:
ME: I’m perfectly healthy, but I’d like to buy health insurance for heart disease, broken bones, cancer, and everything else that a normal person would ever need, but no more.
INSURANCE COMPANY: That will be $700 a month, the deductible is $35,000, no decent hospital will take it, and you have to pay for doctor’s visits yourself. But your plan covers shrinks, infertility treatments, sex change operations, autism spectrum disorder treatment, drug rehab and 67 other things you will never need.
INSURANCE COMPANY UNDER ANN’S PLAN: That will be $50 a month, the deductible is $1,000, you can see any doctor you’d like, and you have full coverage for any important medical problems you could conceivably have in a million years.
Mine is a two-step plan (and you don’t have to do the second step, so it’s really a one-step plan).
STEP 1: Congress doesn’t repeal Obamacare! Instead, Congress passes a law, pursuant to its constitutional power to regulate interstate commerce, that says: “In America, it shall be legal to sell health insurance on the free market. This law supersedes all other laws, taxes, mandates, coverage requirements, regulations or prohibitions, state or federal.”
The end. Love, Ann.
There's much more at the link. Recommended reading.
That makes an awful lot of sense . . . which is why it's unlikely to be passed by the politicians - not enough opportunities for graft, corruption and "election campaign contributions" from the healthcare industry. Nevertheless, that's what health insurance is supposed to be - insurance against unexpected problems. It was never intended to pay for routine, foreseeable care that anyone and everyone should be budgeting for as part of their monthly financial routine!