You might be subsidizing charity care, but otherwise you can't subsidize folks without insurance who pay their own way.
You need to start reading the posts on market-ticker.org about the scam that is our current medical insurance setup. A hospital might charge $800 for a set of tests, the insurance company negotiate it down to $400, but if you'd gone around the corner to the private lab you might pay $80. So your insurance company charged you $320 over the going price just to make your paperwork go away.
The big scam is that government allows monopoly pricing and hidden pricing in the medical industry, and tries to funnel everything through the insurance company so they maintain their profits.
you do understand that health insurance is regulated by the states and the feds???? and the insurance have to pay 85% of premium's back in care and 15% is admin cost's
all health insurance plans have contracts with hospitals . most on a % basis to pay claims, hospitals run up the price and have for a very long time, so place your blame on them not the insurance co. or and FYI have have been on the claims paying side for 20+ years
Don't have to read those posts, I see what's going on as I look at my current medical bills for my shattered elbow.
Immediate Care Center billed my Insurance Company $79 for X-Rays and $49 for the Radiologist to read the X-Rays to confirm my injury. Doctor who saw me billed $79 for the visit (15 minutes of their time.)
My Orthopaedic Doctor's office billed the Insurance $800 for a "surgical procedure" to set my elbow, another $200 for X-rays that were taken after my arm was cast, and we haven't yet received the Radiologists bill for reading the X-Rays. I also had X-Rays, Radiologist and Doctors visits one week, and two weeks after my initial visit to confirm the seet was still in place.
I already know the difference between the Immediate Care center and the Orthopaedic's office: The Immediate Care Center charged a much lower rate for paying CASH vs having to submit an insurance claim. I paid cash out of my Health Savings Account.
Yes, I know what a scam Health Insurance is, much of it has to do with government regulation and the fact that a handful of Health Insurance companies have a stranglehold on Illinois. Best thing that could happen is tort reform followed immediately by increased competition, letting consumers purchase coverage across state lines, rather than the 50 state oligopolies that we have today.