This is far too complex a subject for a forum on trailering. But the principles are simple enough:
- Health insurance and medical care are not the same thing. The idea of an insurance plan covering routine and minor medical treatment is like having your homeowner's insurance pay for repairing a leaky faucet.
- Anything a third party pays for (whether government or a private company) will require a multiplicity of rules and regulations, and an army of managers and clerks to administer them. Medicare some years ago was said to have 40,000 pages of regulations, probably double that now. Imagine a 'Medicare for all'!
- Health care, like auto (and trailer!) repair, or home repair, is a service, and like any other service, is best managed between provider and consumer, in the free market. Free-market competition keeps prices low and allows consumers to shop for quality.
- There is no necessary connection between employment and medical insurance. It was an accident of history (a way of getting around wage-and-price controls during WWII). You don't expect your employer to pay for your home, life, and auto insurance.
- The best way to encourage free-market (as opposed to third-party) medical care and insurance in the 21st century is to use tax-free Health Savings Accounts, which can be used for all routine health care and also to pay for catastrophic medical insurance, which will become inexpensive.
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