Well, some might view my thoughts on healthcare a little "extreme", but I'll tell them any ways cause you asked.
I don't think there should be ANY regulation for insurance companies. A health insurance company is just that, a company. Their sole purpose is to make money. That being said, how do you make money being an insurer? You charge people a fee as stated in a contract the customer signs. The fee and the coverage should be determined by the customer and the insurer. For some reason people get the notion that if insurance companies are completely deregulated they would charge enormous fees and cover very little. That's a bunch of bologna! As said be for, their purpose it to make money. I don't know about you, but I wouldn't contract with a company that charged a bunch of money and covered very little. I would pick the cheapest company that covered the most (see where I'm going with this?). If a company did charge a ton and cover little they would lose customers, and losing customers means losing money. So how do they keep customers? By staying competitive. Competitiveness is what drops prices and increases quality. Look at any business rivalry, Chevy Vs Ford, Camel vs. Marlboro, Apple vs. Microsoft, and countless others all trying to beat out the competitor and get the most customers. We have seen many new, innovative, cheaper and "game changing" ideas and products from numerous companies all in the name of making money. So what makes health insurance any different? Its not. With a free market and competition an insurance company will do what ever it takes to keep and gain customers, even if that means dropping prices or increasing quality. People will always choose what they think is best for them, and companies will always do what they think will make them money.
Any hoo, lets move on to why Doctor bills are so damn expensive (in a nutshell of corse).
First off, nobody goes to school for 8+ years and expects to work for nothing. Second, if you want to practice medicine in this country, you are required to pay malpractice insurance. Malpractice insurance is very expensive. Who do you think fronts the money for malpractice insurance? That's right, you do. Malpractice insurance cost a lot, and the doctor doesn't make any money if he doesn't push that cost on to you.
Now lets talk about Drug costs, and why they are so damn high (pun intended).
In the United States of America, we have the Federal Drug Administration (FDA). If a pharmaceutical company wants to sell their medications or medical equipment, it first has to go thru FDA drug trials. FDA drug trials are very expensive and take a long time , and that cost is put on the pharmaceutical company. So guess who fronts the money for the FDA trials? That's right, you do.
Then there is the research and development and everything else that goes into creating the drug. This is also very expensive.
After a drug company gets its approval from the FDA it has 10 years to recoup its expenses be for the dug is allowed to become a generic. So the pharmaceutical company has 10 years after its approved to recoup the costs of the research, development, marketing, FDA trials and everything else it takes to make and sell the meds. In those 10 years who do you think pays for all that? That's right, you do when you buy the drug.
All those costs are put on to you, whether you pay for it up front, or buy insurance.
Now, with the mandatory Heath insurance thing... It's completely Un-Constitutional and tyrannical. Forcing people to buy something is NOT freedom. It will drive prices up and curb competition and innovation, because companies will no longer need to be innovative and competitive. DONT TREAD ON ME!!! LIBERTY OR DEATH!!! DOWN WITH THE FEDS! GERRRR!!!!
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