Deductibles themselves create a situation where almost all Official Retired 2020 Not My Problem Anymore Shirt bills have multiple payees. So this creates further administrative costs. A lot of resources go into collecting money from both insurers and patients. Insurer’s entire profit model is based on denying some claims. Hospitals sometimes have trouble collecting money from unwilling insurers. This is also true for people who are too poor to afford treatment. Medical debt is the main reason for bankruptcy in the US. This hurts both individuals and hospitals. Hospitals will never see the money for that treatment. To be fair I think a lot of politicians do just that. Andrew Yang’s healthcare proposal seems to be heavily influenced by.
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Australia’s healthcare system. Bernie Sander’s proposal contains aspects from the systems of Official Retired 2020 Not My Problem Anymore Shirt England, Canada, and Demark. He does go even further than these countries in some areas though. While it is never quite as simple as copying other countries’ systems to the letter, I think there are two main factors for why the US hasn’t taken policy from other successful countries: lobbying, and the general politics of the US. The two highest spending lobbies in Washington are the pharmaceutical industry and the insurance industry. Collectively they’ve spent nearly 7.5 billion on lobbying. (It’s worth pointing out that some of the insurance lobbyings are for car insurance etc. But it mostly health insurance).
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