how did the US screw up health insurance so bad?
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Insurance is a pooled risk against unlikely events.
It should not be used for routine care.
To base a heathcare system on Insurance operating assumptions will always result in unreasonable costs.
All negotiations are carried out at the confluence of interests of organizations that do not have your interests at the center of their positions:
-Insurance providers
-Your employer
-Pharmaceutical companies
-Healthcare companies
Once they all agree on a position that they find acceptable, you are then sold on the “benefits” being offered.
At no time is there a feedback system that provides downward pressure on costs and improved quality of service.
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