The Mandated "Bronze" Policy on The Exchange will only cover 60% of the actual Health Care Cost?

[mercuryblues]

127. Again, you're right

So we should scrap what we have available now because it isn't perfect. Then maybe in another 30 years or so we will have a single payer system dangled in front of us again.

Another good thing about having insurance: My provider has contracted rates with hospitals for services. People who are not insured do not have that advantage. Say a cat scan costs $1000.00. My insurer has a contracted rate for that service of $400.00.
They pay 80%, I am only responsible for $80.00. If you don't have insurance you are responsible for the entire $1000.00. Which bill would you rather be responsible for?

You seem to be forgeting that a several thousand dollar bill is in essence a fraction of what the charges actually started as. Two hundred a month is $2,400 a year. If a person needs services at a hospital and still winds up with a multi-thousand dollar bill, chances are that the real cost was upwards of $7,000. In this scenerio there was no profit made, they lost money. But the portion an individual owes is significantly less than what they would owe without insurance. Does that make you feel better?

One bill will most likely send send someone into medical bankruptcy, where another has a lower chance of that happening. If a person's income is low they should be applying for medicaid.