Health Insurance - How Can We Make It Better

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You almost have to take out loans to pay for health insurance today. Even if your company pays for half or more of a premium, the premium for a family still runs at least two to three hundred dollars per month. This is ridiculous, especially for people who do not visit the doctor very often. However, everybody is worried that if they do not have health insurance, then they will need it, and they will not be able to get the help they need, or they will get a lower health standards because they do not have insurance. Many factors have emerged over the years that led to health insurance to continue living increase.
Health insurance: How can we make it better

One of the main problems that cause health insurance will continue to rise is the number of frivolous malpractice lawsuits filed against doctors each year. Even if the doctor did not do anything wrong, they still have to pay court costs, which are usually paid from their malpractice insurance. And if a doctor makes a mistake they can pay tens of millions of dollars in damage. All of this led to doctors to pay more for insurance, malpractice which translates into higher costs for their patients so that they can continue to survive. One of the best ideas I heard to overcome this problem, it is the legislature that wear hats given monetary awards for damages in this lawsuit. Anything above the cap will be given to the state to help pay for schools, roads, and other things for the community. This will slow down people who want to sue just to get rich quick, but still would allow people to sue if any have actually been committed.

Another major problem causing problems of health insurance is a health insurance company's ability to get out of paying the full amount requested by a doctor. Health insurance companies rarely pay half of what the doctor's office a request, so that the physician's office usually have to eat the cost of the missing. This led to the doctor's office to raise their prices to help shoulder the burden of this loss of profits. The easy solution would be to apply some kind of rules that would allow a doctor's office to collect the full amount for the visit. This regulation will force health insurance companies to pay the amount the doctor charges, thus lowering the price of a doctor's visit for all of their patients.