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Health care costs is not Health Insurance costs could be the problem

We are facing a crisis in health care in America. But it can not be the, that everyone will be talking about. Has much in the news lately and in political campaigns on the health insurance crisis in America, and the problems of 47 million and growing Americans without access to affordable health services, said insurance coverage. Now these things are a problem to be sure. But let's take a minute to look at the problem another way. It's not really the cost of health insurance, that the main problem in the country's health system, it is the cost of health care beyond. The cost of health systems in this country is ridiculously high and skyrocketing. If medical insurance fees are also astronomical it is only a reflection of the current high Health care costs. True health care reform to a reduction of costs should be focused on health and not necessarily the cost of health insurance.

Consider this. What is the purpose of insurance, an insurance? Forget about health insurance for the moment. Think about other insurance you have in your life such as car and home owners. These insurance policies are designed to protect us from financial ruin in the event of an unforeseen crisis, such as a car accident or a major storm. Similarly, it was the original purpose of the proposed health insurance, but somewhere along the line that was slanted. Some states have recently adopted plans of the To buy health insurance for those affected, as all states require Car Insurance you purchase - so that a good thing. But once again, you expect your car insurance for the fuel in the car or the routine maintenance you pay down as oil changes? Do you expect your homeowners insurance pay for each time you re-paint your walls or replace a light bulb in your house? Of course not. And why? Because the daily expenses are affordable, we expect our non- when it comes to health insurance - catastrophic, we expect only the insurance coverage that paid for everything - - and why is that? As the costs for all health care even what reasonable and affordable costs, such as doctor visits and medication are astronomical. And why is that?

There are many reasons, and they go far beyond a simple article like this. But here are a few of the tips to economists. In other industrialized countries in health care costs under control is held by the government Regulation. But here, because the influence of powerful lobby groups for the insurance and drug industry, the government has done very little to regulate or place any limits for the cost of health care. We live in one of the controversial companies on the planet. Complaints against doctors and health care organizations through class-action Attorneys filed million-dollar payouts look terrible drain the system. In many countries, high costs to raise medical professional liability and to charge fees and have driven doctors out of practice all together, leading to shortages in certain specialties. Supply and demand - driven less practitioners in a particular area of expertise, the Costs. The fear of lawsuits has also the practice of "defensive" medicine, where doctors often encouraged to include additional tests or procedures to avoid litigation. And it goes on and on. If we really want to solve the affordable health insurance crisis here in America, we must first health care in general more "affordable."

About the Author

Didier Moujaes is a Certified Financial Planner and Chartered Financial Consultant. Together with his partner created InsuranceBuddget.com, an insurance marketing company which represents several top rated medical insurance carriers offering affordable health insurance plans in all 50 states. To read more about healthcare costs and other insurance articles, visit the website.

Protest meets health insurance lobby