Reply #5: Who is going to end up paying bothers me too. Along with quality.

[wisteria]

The costs for good care is so expensive and I just don't know why. Is it greed on the part of doctors? Or, is it because so many people sue for what they consider substandard care, that insurance premiums are so high for doctors- or is this a myth. I have had dealings with several types of medical insurance carriers for nearly 25 years because of one of my children and I can tell you, the more control and less flexibility that is placed on coverage by those who control the money end of it, the worse it has gotten. I now pay a little more- luckily we can- and I have options I did not have with many other types of insurance like HMO'S. I am free to take my daughter wherever "I" think it is appropriate without referrals or BS about limited coverage and arguments over unnecessary tests. I just pay a bit more for those doctors who are out of network. However, I have taken notice that I pay more deductible all around and more co-pays than I have in the past since the beginning of this year because my husband's employer has turned over the increases to their employees to pay. Frankly, it bothers me that not everyone has access to good care and those who have better care have to pay so much for it. Remaining healthy in America should not be based on income. And, good healthcare is not a privilege but a necessity and everyone including employers should pay into it. It benefits them as much as it benefits everyone else to have a healthy American population. So, I suppose what I am saying is I would like to see a cap on insurance costs, higher quality of healthcare for all Americans and have it available so that all people can obtain the insurance they need. I do not however, as a taxpayer, want to shoulder the entire cost of changing and running the system.