Why do health insurance companies need to exist at all?

Why do health insurance companies need to exist at all?

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strawpoll.me/12897004
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Welcome to the red pill.

Keep thinking this way.

They don't. We should ban all "health" insurance.

Accident/emergency care should be socialized.

Because we've stupidly decided that medicine should be dictated by the free market.

go to mises.org and read about healthcare.

I'm not going to type it all out.

Because health insurance companies are the ones in charge of distributing healthcare resources and if nobody does it healthcare will become a giant mess.

Health insurance should be banned.
All healthcare should be financed with taxes and controlled by the federal government only.

Insurance is basically a mass ponzi scheme.

An individual wont be able to afford if they get sick but if there are enough individuals paying for the sick person and they get better that sick person continues to exist and goes onto pay back some of what is owed along with continuing payments.

Except not everyone is successful not everyone is useful and not everyone will get better.

Shitskins dont contribute because they are more unhealthy than whites something like 2/3 of black people are obese as well as illegal mexicans raping our healthcare system. White middle class is dying and cant pay for it anymore . No more money. No more ponzi scheme.

I just wanted to add that shitskins literally ruin everything they touch that white people built for ourselves.

we create most of the new innovations

and we pay dearly for it

then the rest of the world rides our coattails

But what is the best alternative?

Very true.

the constitution doesn't specifically discuss healthcare, therefore it's not the governments job.
>inb4 "right to life..."
the law requires the hospital to treat you, no matter how poor you are, you'll just get a million dollar health bill after. I mean, have you even read the constitution, faggot?

Universal Free Healthcare is the only way.
Healthcare right = right to live.

>don't keep a lid on prices because muh free market
>get mad when other countries do

This is why I have an HSA.

Constitution is just a piece of paper.
If it does not serve the interest of the nation and the state, it's useless. Just change it.

I agree but it seems we're very far from that. Which is surprising considering USA number one

this is true

can't wait for the world to burn and whites come back around again

but it won't

the whole world will turn into a shit hole and the only solace will be the thought of us leaving and creating a new colony on another planet

>lose skin surgery, 6k
>go to hospital for stitches, 15k
skin surgery isn't covered by insurance

because capitalism is some times the best way to balance costs, and negate monopolies.

>lose
loose*

Because Republicans and right wingers believe the free market will look after the little guy, and not profits.

>Pro tip, they're all retarded.

Because if you have no money to pay the insurance man he won't be making any money either. See?

Because otherwise nobody could afford medical care.

We need to pay for illegal mexicans and their ER visits, free drugs to the 3rd world, R&D, and heavy regulation of doctors and clinics.
But since we can't afford to pay out of pocket, and we don't want higher taxes, we instead have these socialist systems which we call "medical insurance companies", where they take money from people and use it to pay for those that need it.
The issue pre-obama care was that not enough people were getting medical insurance, so the companies weren't getting enough money to pay for sick and unhealthy people.

Obama tried to fix this by fining people for not having health insurance, but it still didn't work.

Since we all accept high medical costs now as a natural law like gravity or time, we're now stuck figuring out how to create a socialist medical system that runs on air and feelings.

...

Healthcare should be socialised and paid for by tax BUT with clear restrictions. A system that favours people not at fault through their own actions
>People born with conditions treated
>Accident emergency care covered
>Cancers and other unpreventable shit
NOT fat cunts who can't stop eating, and as a result have arthritis, and heart issues etc. NO FUNDS for tranny surgery, maybe funds for mental therapy.

>loose skin surgery
the fuck?

Also, this.

>why do organizations that provide goods or services need to exist at all?

No they don't. There was a time when they didn't.
This was during a time when healthcare costs were affordable and sane.

The root issue is the ridiculous rise of healthcare cost. Insurance only exists to mask it and spread the pain so no one notices. Why is this shell game persisted? Because it largely keeps money circulating in the domestic economy.

So, they don't care about your health/healthcare...
They just wanted to ensure money stays within the domestic economy and is circulated through the service sector.

All types of insurance are a scam. You never get out what you pay in.

>maybe funds for mental therapy.
Maybe?

1980's:
"Yeah fuck it lets just throw em out on the street to commit crimes because mental facilities are expensive. Then we can just throw em in jail for said crimes commited because they are mentally unstable and desperate."

Now:
"Hey why is our prison system bursting at the seams with mentally unstable dangerous people who create an environment of spiraling morals instead of rehabilitation."

Jesus fucking Christ. How can you fix this?
Seriously how are they allowed to do that

These are the questions you should be asking

Why can't you go to the doctor and let for the cost of Healthcare there? It's very expensive for Healthcare goy! We need this convoluted system of insurance goy!

I meant specifically in the context of the tranny issue, not psychiatry and mental health as a whole. Obviously that would be covered

Healthcare should be handled by the states.

If Californians want single-payer let them. If Alabamians don't want it don't let them.

user's saying that the drug companies wouldn't invest the money in research for new stuff if the prices were regulated brah.

So (((they))) can get your shekels.

What if the government heavily invested in research? This could lower costs, no? Then just treat it like anything else you pay for without dealing with (((insurance companies)))

>little guy meme

I'll take pre existing entitlements for the poor Alex..

That would be fine,but the Republicans in Congress would never back such a thing.

>health insurance corporations get subsidized by the government
>suck taxpayers dry
>endless hordes of third world retards flood into country and destroy it
>rich kikes move to another country while the previous one implodes into a depression and civil war
Great system retards just pay for Jamal's fourth triple-bypass surgery and all his 8 kids too.

Smart!

Really though an if you faggots don't know what an HSA is you need to look that shit up

to ensure we make it to old age safe and sound u dummy
why do you think they call it 'ensurance?'

I'm just glad the shitskins will die with us. Maybe whatever species evolves next on this rock will resurrect us.

So that the average consumer cannot compete with the citizens with insurance. Thus forcing them into a job which requires a college degree. Which in turn forces them to take out a loan. it's all a scam.

Have your say today.
strawpoll.me/12897004

>Be researching center
>need dollars for research
>beg daddy gubermint for money
>pocket half of research grant
>beg daddy gubermint for more money
>pocket half
>repeat
How about no.

Actually they would. Drug profit companies spend hilariously little on R&D as a percent of revenue.

that's actually a jewish teacher teaching young jews :)

the more u know

Health insurance used to only cover catastrophic issues. Major surgeries, heart attacks, serious car accidents, etc.

Slowly, over the course of decades, they started adding more and more coverage. Check-ups, prescriptions, etc. to get more folks to buy it.

After a while it became expected that they provide the additional coverage. Doctors and hospitals see a guaranteed payout, so they raise rates for those with insurance or pad the bill.

Government gets involved and sets rules for health insurance providers. Extended coverage now a law. Rates go up to recoup costs, while hospitals continue to increase fees. Vicious cycle ensues.

Take it back to catastrophic care only, like every other type of insurance, and the problem will correct itself.

Jews did literally nothing wrong.

For profit. They collect money, then keep it by denying claims and make you pay more by forcing you to pay co-pays and out of pocket. Insurance is a scam.

...

That doesn't explain insurance companies, you neanderthal. Insurance companies don't innovate. They just take money from the people who do and the people who need it.

Because the Doctors need (((insurance))) in case they get sued.

This is all because of (((lawyers))) and (((Financiers)))

Malpractice insurance is not the same as health care coverage insurance. Malpractice is also not responsible for the major rise in costs. Most costs go to the insane drug prices and insurance premiums which are eaten up as profit and massive yachts for insurance CEOs. None of it ever gets seen as actual health care.

Because niggers and trash abuse the medical system and can't pay for shit so insurance companies exist so you pay more to cover them.

haha. yeah the gobernment should control my access to healthcare. bravo. what could go wrong?

>All healthcare should be financed with taxes and controlled by the federal government only.
Yeah, I want the institution that fed radiological material to wards of the state, runs the CIA and NSA and hasn't come across a war it hasn't tried to stick it's dick into to control healthcare. Smart idea!

you did though. your picture was labelled incorrectly. they are not russians, they are jewish people from central asia. samarkand I believe

What about car insurance?

i'm laughing at all the retards in this thread that don't know insurance is only technically insurance if it is entered into voluntarily.

JEWS

youtube.com/watch?v=oXWgJSpvbic

haha. yeah the greediest corporation should control my access to healthcare. bravo. what could go wrong?

Oh wait. It already has gone horribly wrong.

Had a really good thread about this earlier today.

If you have a catastropic loss then yes you do. and if you don't you have the peace of mind that if your house burns or you disable someone in a car accidebt you don't go bankrupt.

I agree with you about taking healthcare back to catastrophic coverage which is the idea of High Deductible Health Plans that have HSA's. But a big problem with the idea of only catastropic coverage is it ends up discriminating against people with expensive cronic illnesses like hemophilia and shit, those people would consistantly reach the out of pocket maximum before their insurance kicks in. But thats just the basics of insurance, high risk people have to pay higher premiums but no cronically ill person could afford it

reading this made me imagine socialized healthcare given out on an affirative action type basis