It must be horrible for Canadians not to have the freedom to choose a healthcare plan that charges deductibles or restricts what doctors they can go to. They must be so jealous of all the choices we get to make each year ! nytimes.com/2020/12/11/ups…
We’re very fortunate that private insurance companies take some 12% of every dollar they collect in premiums to design this rich panoply of choices for us. It would be horrible to have a single plan with 2% overhead without restrictive networks, copays, or deductibles instead.
Yes, it’s true we could go to whatever doctor or hospital we wanted, not pay anything out-of-pocket, and never worry about being uninsured. But we’d miss out on the fulfilling, meaningful, efficient, & liberating annual insurance-plan-shopping experience !
We’d miss trying to calculate in advance whether we could, say, have a heart attack or be diagnosed with cancer in the coming year, and then factoring those projections into our decisions about the plan we chose. It’s all about the shopping experience !
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