Let the companies that are now providing health insurance to their employees calculate what they are spending and simply add that to their wages or salary on a text exempt basis. Then let the employees pay doctors and hospitals when the need their services, sort of like you do when you fill up your gas tank or go to the market for groceries. No third parties involved. No paperwork for the doctors and hospitals. No insurance companies to deal with. No government bureaucrats to deal with. Life like it was in the 50's.
To dream.
That would be ideal. More competition in between doctors, hospitals and pharm companies would lower prices.
Then let the employees pay doctors and hospitals when the need their services, sort of like you do when you fill up your gas tank or go to the market for groceries.Works good until you become a quadriplegic in an accident.
Insurance is about spreading risk. You probably won't become a quadriplegic but if you do the gas tank just got orders of magnitude larger. I guess just not driving would be an option but in this case suicide is illegal as well.