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"Bảo hiểm sức khỏe" như hiện nay có cần thiết không?
10 Jun, 2020
bảo hiểm thật sự phải là bảo vệ cá nhân khỏi bị "mất tiền" vì "rủi ro không lường trước".
với các khoản tiền khấu trừ thấp và phải cùng chi trả như hiện nay thì cái gọi là "bảo hiểm sức khỏe" chỉ là kế hoạch chi trả y tế thôi (ko phải bảo hiểm),
với các khoản tiền khấu trừ thấp và phải cùng chi trả như hiện nay thì cái gọi là "bảo hiểm sức khỏe" chỉ là kế hoạch chi trả y tế thôi (ko phải bảo hiểm),
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Real, genuine insurance protects people from unexpected financial losses. The definition found at Investorwords.com is typical: “Insurance is designed to protect the financial well-being of an individual, company or other entity in the case of unexpected loss.”
Note especially the words “financial well-being” and “unexpected loss.”
...With low deductibles and copayments, today’s “health insurance” is more of a health-care reimbursement plan.
Of course our insurance covers us financially against big-ticket, low-probability medical procedures such as cardiovascular surgery. But this insurance is used mostly to help pay for small-ticket items that nearly all of us buy routinely.
Got a sinus (xoang) problem? Your health-insurance helps you pay for prescription nasal spray (xịt mũi). Pregnant? Insurance covers much of the cost of your physician, hospital stay and medications. Your children need their teeth cleaned? Dental insurance will pick up much of the tab.
This coverage isn’t insurance. Each of these medical conditions is quite likely and predictable. And their costs are not so high as to threaten most Americans’ financial well-being. (Even the cost of prenatal care and birthing in a hospital is affordable, as it’s a small fraction of the total amount of money that parents spend on children over a lifetime. And because pregnancy is under parents’ control, they can plan their savings to cover medical expenses associated with it.)
If automobile care were supplied like health care, each of us — directly or through our employers — would pay premiums to auto insurers. Every time we change our oil, we’d pay out of our own pockets small copayments — say, $5 — with our insurers reimbursing Jiffy Lube or Pep Boys for the rest of the bills.
Ditto for tire replacements, front-end alignments and fixing bent fenders.
Because insurers must cover their expenses, alignments and oil changes wouldn’t really cost us only $5 each. We’d each pony up the full price for these procedures in the form of insurance-premium payments. As the guy in the old Fram oil filter TV commercials said: “You can pay me now or pay me later.”
The problem is that paying “later” — in the form of premiums — relieves each of us of the necessity of carefully weighing the full cost of each treatment against its potential benefits. Is that runny nose really worth a trip to the doctor’s office? By having to pay only very little out of pocket to the physician, you’re more likely to visit the M.D. You thereby tie up her time that might have been better used to treat someone suffering from a more serious ailment.
When multiplied over tens of millions of health-care consumers, the cost of this failure to ensure that medical resources are used as efficiently as possible is immense. And this high cost is reflected in rising health-insurance premiums.
Real insurance protects us from financial catastrophe without causing us to overuse resources. Today’s health-care “insurance” protects us from financial consequences — which is an important reason why health-care costs are so high.
Bài trước: "Cảnh sát giao thông" có cần thiết không?
Tags: economics
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