The other option is becoming Amish?
The fact that they "negotiate the rates down" is absolutely crazy for one of two reasons (probably both). They are getting cheaper rates and others are then forced to pay the difference and/or they are paying cheaper rates because the insurance industry is such a burden to the system that they are largely responsible for jacking rates.
The Amish example is a Ron Paul blow-off "the church will pay for it" answer though. That system actually DOES NOT work. Charity CAN'T cover it all.
Whoa, this is why I shouldn't be breaking my vow to never argue with idiots.
It's not about a church, it's about a group of people who have decided what they will do with their own lives, preferably without interference from government. It's about people taking care of people, and their system actually does work, from what I've seen of it. It's not charity, it's their social and religious responsibility to care for one another.
As far as negotiating rates down being 'crazy', are you nuts, or just been smoking too much horse manure? The whole point is that the cost of dealing with insurance creates incentives for medical providers to work around it!
Health care reform (what an euphemism) has done nothing to reform health care or contain costs. In fact, health care costs are only going to continue to rise. Insanity is doing the same thing over and over and expecting different results.
Why not try something different?
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