Remember that for the public the system generally works, and many of us are insured..
:rofl:
I think you need to do way more research on Americans without insurance and underinsurance.
Additionally, in every nation throughout history, people at the lower end of the economic spectrum are sick/injured more often more severely, and can absorb less loss of production capacity. Which means your poorest people put the largest burdon on the system.
As for that insurance, as soon as you are out of work with an injury or illness for a couple of months, not only will you burn through your entire savings, you will lose your insurance, because the critical flaw in the US medical system is the only people who can afford insurance are the ones working. If you are working, you are generally not sick. (as for if you become sick, see the losing your insurance part.)
Next, when you retire or disabled, you become part of the government insurance, like medicare. Which means all the money you paid in premiums and the profits generated by such (which is how insurance works) is kept by a private company while your healthcare bills at that point get picked up by taxpayers.
In essence, in the civillian world, you pay your premium copay out of your wages, then you pay medicare tax, you are ineligible for medicare until you are disabled/past your productive work years, so you are literally paying twice for something you will only ever get once. (and as I said, never see a return on your insurance investment)
If you haven't noticed, medicare is unsustainable and every year there are new and creative ways required to cut it. Rather soon, it will require a significant reduction in benefits or tax increase. (Want to lay a wager on which it will be?) You will one day depend on those benefits unless you are independantly wealthy enough to absorb the inflation adjusted cost of healthcare out of pocket.
Not sure of your definition of "works" but that certainly doesn't meet mine.
Another "works" is since most people will use EMS once or twice in their life they cannot make an informed decision on whether it works or not. But in my experience, they are definately not getting what they think they are paying for. (like treatments that are harmful or do not work.)
Cutting ALS service will not be seen as politically possible when fire departments and private ambulance services lobby to keep paramedics. Most American s want care, even if it means a bill.
I would like 2 types of steak for dinner along with some Russian black caviar and a bottle of Dom. But I am not getting it even if it means a bill. You know why? Because I cannot afford to pay the bill.
Now if the supplier billed me and I defaulted, then the supplier will go out of business. Which means the next person or time I would like such a fine meal, there will be nobody there to sell it to me. Medicare, private insurance, and private pay all work the same way. If the payer defaults, the supplier (EMS, hospital, Doctor, etc) all go away.
You can't paint a national system like ours that is so fragmented in one stroke.
Yes I can. Very accurately, watch.
The US healthcare system is a private pay system. Money always has to change hands. Sometimes that money comes from tax payers, who share the cost of paying the care. (EMS to hospital) Private insurance companies, who not only need to maintain liquidity but ever increasing investor profit margins in order to stay in business to pay again, or it comes out of the individuals pocket.
Which means, when tax dollars alone will not cover the cost of responsive ALS ambulance, and it becomes so expensive that other payers can't either. ALS ambulance is going away or becomming strictly pay to play. (probably as a subscription service upfront)
Not having ALS drops you in the 1950s and prompts ALS.
I have said it many times, but here it is again.
ALS is not a need, it is a want. It is a higher level of care with fancy bells and whistles. You may need a ride to the hospital, you may want a paramedic. But if you can't afford the later, you will settle for the former.
Starting to see how this works now?
Medicine was created to protect and preserve wealth. When medicine costs more than the loss of a certain level of wealth, it no longer benefits anyone to have it. Think of it like this:
If generation A works hard and passes down a house (shelter) and money generating resources (like investments) and even cash, Generation B does not have to work to reproduce these assets. Which means what Generation B produces increases the family standard of living. (and generation C so on down the line.)
If the good people in generation A wind up with a sickness that costs more to treat they assets they have, they lose all and generation B starts over from 0. (this perpetuates poverty.)
But let's say generation A is now 65-80 years old, and wants to break the poverty cycle. You know what that means when they get sick?
It is more beneficial for the familiy if they die than to pay for medicine.
If generation B decides they will be altruistic and take care of generation A, at some point, the cost of that care will be so high, that thier production does not match their consumption.
Elderly, out of work, working adults, and children are all consumers.
Working adults are the only produces.
When consumptions outpaces production, it leads to defualt and contraction. If you are alive in the modern US, you definately should understand how that works, because it is happening to you.
Imagine that in healthcare.
People can no longer pay for the cost of cardiac bypass, so the hospital stops offering cardiac bypass. Now you need cardiac bypass and you cannot find a supplier. By chance you manage to locate one, but since so few people actually can afford it, he has to charge more for the people who can.(Regardless of outcome) So if he charges more than you can possibly pay, even if you liquidate all of your extended family assets, you can't have it.
Nobody is going to give you a loan, becuase it would be an unacceptable risk to the lender. After 40+ years of messing yourself up, you have to be returned to a level of function that you could continue in a job long enough at a high enough pay to pay back your debt. At 65+ after a CABG, that is an unacceptable gamble for a lender.
You can spout all day about altruism, doing the right thing, etc.
But money talks and BS walks.
Show me the money.