that is true, that is why the best thing would be allowing everyone to have a health savings account when they are born. Then the government can just put the subsidy there. So by the time they reach adult hood, they have a buffer for basic needs care. Like I said, I don't mind insurance to cover rare injuries or diseases. But basic needs can easily be covered through other methods. This would allow the patient to control the money, and to shop around. The odds of someone breaking a bone is so much less than getting a common cold. You don't need a 200-500 dollar fee to get checked for a common cold.
Yes part of the problem is living pay check to pay check, but here's a question. Should we be basically supporting this mentality by covering the problems they never seem to want to save for. Meaning, why should we keep covering people's debts so they can buy huge houses, cars, TV's, ect... If people just lived with in their means and saved, they wouldn't be going into bankruptcy as often. Having the government cover their issues allows them to be reckless. Lets take it to golf, what if we say for a round of golf that all water hazards are not hazards, just drop a ball no penalty. How much more reckless would you be.
I agree, there should be a means-testing.
I'm a big proponent of health savings accounts, and your proposal is interesting and one I've never heard of. As a public policy professional, though, I'd really need to stew on it before I could agree
I also hear you about the personal responsibility thing. It tears me up professionally. It's getting to the point where we either have to further embrace a nanny state or literally let people suffer until they either die in the cold or make changes. Current emergency medical costs, though, are something many people rely upon insurance for and would be very difficult to budget for. You're right, though. Anyone with common sense and a high school diploma should be able to budget for regular check-ups, the sniffles, and dental/vision costs. Too bad they often can't and they usually have kids in the mix. Those are the ones who really suffer.
Lots of issues out there. You seem like a sensible person and that's encouraging at least.