Tuesday, June 23, 2009

Inherent Problems With Our Healthcare System

There are two obvious flaws in the current health-care system in the United States.

First, through no fault of the individual companies, there is NO incentive for preventive care. Especially with ever-fewer 'cradle-to-grave' jobs out there, almost no one stays with the same provider for their whole life. So why would a company go to the expense of helping their customers stay healthy, insuring that the next insurance company collects premiums from healthy, and therefore profitable, customers, without making any preventive care investments of its own?

The second is definitely their fault: less payout means more profit. Not just by canceling policies or refusing coverage, but by making the process of receiving coverage so cumbersome to everyone involved. Imagine being as certain you were covered as you are that the premium will be automatically deducted from your paycheck, and that the paperwork were as easy.

At a minimum, these inherent flaws mean the current system cannot last, and as a functional portion of America's economy, has run its course.

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