Why doesn't the American market provide efficient and effective health insurance like it does for car insurance?
Car insurance is relatively simple. I shop around, telling them how much coverage I want. They request my driving history, and give me a quote. At any time, I can shop around and change insurance policies without any problems. Once it's time to collect payment, it's a relatively simple matter. What makes health insurance so difficult, controlling, unreliable, and expensive? For example, with health insurance:
Can only shop during a specific enrollment period
Policies are so complex, the vast majority of the population can't understand them
It's commonly provided in part by the employer because buying a policy otherwise is prohibitively expensive
Insurance companies are notorious for denying payments
hey, I edited and deleted my shit bc I couldn't get it to present correctly, so feel free to delete! I'm pretty sure we're pointed in the same direction!
Not the entire "first world" has universal health care. The Netherlands for example has only 62% UFC. Which is fairly managable in paractice, with proper regulations and support for thos ewho can't pay the €120 obligatory monthly insurance fee, but obviously it's complete bullshit.