I began managing health benefits in 1961. I have done everything from process claims, design and communicate health benefits, negotiate insurance and TPA contracts to serving on boards of directors of health plans and negotiating physician contracts.
I am convinced of one thing with absolute certainty.
From the perspective of virtually all Americans health care will never be affordable! That is simply because the expense of health care is not in the hierarchy of household spending. Our spending priorities and sense of responsibility goes something like this.
What does that mean? Well, it means we are going to end up with a health care system that makes it appear health care is affordable, if not free. Do I need to be more specific?