By Clark Howard | March 15, 2017 10:57 am | Clark.com
The current debate about health care in our country is like rearranging the deck chairs on the Titanic. It’s plugging one tiny hole on a sinking ship.
Employers should not provide health coverage — “We need to decouple employers and government as health care providers and put the individual in charge of the health care buying process. You want to see health care costs go down? That will do it.”
Here’s my basic formula for a solution… The idea of buying an individual policy, purchased with a voucher, that pays a base amount toward health care — and then you elect what other coverage to buy beyond that base level in the free and open market — is so key. Unfortunately, it can’t work at this point. That’s because we don’t have price transparency. If you call to find out the cost of procedure, you can’t do it. The system is diametrically opposed to allowing you to shop by price. Yet consumers need to be armed with tools to shop for care.