Here it is.
Don’t kid yourself. Already I know several practioners and groups who won’t take insurance at all, and they will just give you a receipt–reimbursement is between you and your insurance company, but YOU pay cash for the services at the time of service. “Boutique” or “DPC” medicine has really taken off. The only ones with “insurance” will be those on welfare. I myself won’t take insurance, and like many, have moved to areas without it. It’s just too costly and I’m not going to hire someone to sit on hold for hours and try to get the money I’m owed. And Obamacare only accelerated the process. A two-tiered system will be all there is. There may be “catastrophic” insurance and insurance for surgery, but little else. Yeah, that’s what “insurance” is all about.
You will see prices come down dramatically once people are directly paying, both for services and for drugs. You will also see the costs of medical school tumble. Already Wal-Mart has a large number of common drugs for $5 a month, and other chains have followed. Far more drugs will be OTC, like birth control pills (it is a scam that women have to pay for a yearly doctor visit). I recently saw a formerly prescription-only acid reflux pill OTC at Costco. Believe me, you can get it a whole lot cheaper now than when you had to go to a doctor to get it. Huh. Why did the price go down? And the generics are truly dirt cheap. The left just doesn’t understand the magic of the market…