I never claimed the system is efficient or is the best, just that it is false to claim that people cannot get emergency health coverage in the current system. They can, regardless of how many times they need it and can’t pay. Yes, they don’t get all the services of those with insurance, nor should they–there simply aren’t enough resources to do that. But they aren’t being denied service now. That’s a distortion that needed to be cleared up in order to have a more competent discussion.
I am not part of an employer’s plan. I buy insurance on my own. A 22yo could easily get cheap “student” coverage (when I bought that 7 years ago it was like $20 a month; you can save that much money really easily). I can buy high deductible coverage for about $40 a month now. Individual plans are not really that expensive. Even reasonably low deductibles with prescription coverage and doctor’s visits cost me (at 28–one of those “young people” who would otherwise not have coverage because we don’t want to buy it) $75 a month.
I know plenty of people who spend more on their car insurance for their fancy new cars (whose payments are even more expensive) than they pay on health insurance–and they whine and complain about the cost of health care. Those people need to suck it up and get their priorities straight. The very fact that, for most people, their cars cost more (are more important to them) than their health care says to me that health care for most is pretty affordable.
If people would save up an HSA or emergency savings to cover a high deductible, high deductible plans even for those with pre-existing conditions often don’t cost much. But that would require people to be more responsible with their money. People would rather buy more house than they can afford and run up tens of thousands of dollars in student loans, car loans, and credit card bills than pay for health care. Priorities.
There are an unfortunate few who have expensive conditions requiring regular treatment who cannot pay. For them we already have Medicare and Medicaid. Those systems need to be fixed, not broken further by robbing them of funding or forcing health care professionals to accept even less payment for their services through them, thus encouraging them to stop accepting those patients.