My husband is an executive in health care management and has a pretty comprehensive and objective view of the health care system. In our own family, we are self-insured with a high-deductible medical savings account which has negotiated rates with health care providers in our area. We see several benefits to this plan:
Downside: We must be able to meet our own deductible ($5,000)...that means we are savers! This only works for the frugal, proactive consumer who is not afraid to treat healthcare as another service that should be high quality and customer-satisfaction driven.
Doctors are just people, not gods.....they are in business to make an income and care about the bottom line just as any of us should. Americans have convinced themselves that healthcare is something that should be taken care of for them.....it isn't so. Unless (or until) we have national health care, it behooves each of us to become involved consumers...even if the insurance company is paying the bills. Ultimately, we ALL pay the bills.
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