Life would sure be easier if everyone understood this. Of course, it is not looked at as "insurance" any more but as an entitlement. Witness the "wellness" benefits. Thus, the more of it you use, the more you "get" from your entitlement. "You don't really need an MRI for your headaches" "Oh, don't worry, Doc, I've got good insurance and it costs a lot of money...".
Oh you hit the nail on the head. Insurance is(or at least was) to ensure you against ruin in the case of a crisis. Unfortunately, it his human nature to misuse that in which you have no stake. I fear that people will not ask the right questions from their doctors and insurance companies, that they will become less active participants in the management of their health.
The insurance I can buy as an individual through the marketplace now is more expensive than the one I had before. The coverage is different. I preferred my previous one. The marketplace insurance that we might get through the business looks better(price and quality) than both tough.
