Wakeforest22890
Snowpom
Insurance works just fine when greedy politicians do not get involved. Real insurance (as opposed to prepayment of routine medical care) was affordable for all but the poorest Americans a generation or two ago when there were no coverage mandates . And routine medical care was affordable as well. As recently as the 1970's a visit to a pediatrician or primary care physician cost $4-5. After the wholesale takeover of most of health care by the government in order to make it "affordable" very few can afford routine health care or the product you are calling "insurance". Now statists are bellowing for the state to subsume the rest of health care in order to make it more "affordable." Forcing one person to pay another person's bills only makes the bills affordable for those on the dole. But it greatly increases the cost in general.
Further, if preventive care is something insurance companies offer on their own to their customers then there should be no need for greedy politicians to force the companies to provide it. Some states have up to 70 mandates for every policy sold including things like chiropracty and infertility treatment and more are added all the time in a process combining politicians seeking to win elections and money wielding lobbyists. If I don't plan on having more children or having a quack adjust my back why should I have to pay outrageous bills for those who do?
I don't know the answer to this, but is it actually causation that the government got involved and then insurance started getting more expensive or is it just correlation?