Okay...so the more expensive overall care is, the more they can continue to raise rates, is that it?
Pretty much. And it still takes just one claim payer to process a bill whether it is $50, $500, or $5,000. So, (within a certain range of claim volumes) the fixed costs to the insurance company stay the same and more of the premium flows to the bottom line - or more likely to the CEO and other management's compensation.
IMO, there is no way that under the current system, we will have anything that is actually "health" care. It is completely contrary to the way the system is set up, and band aids are not going to work.
Dr. McDougall mentions Kaiser and the profit motive they might have to keep people healthy. Yet it still fails. I think that is due to the fear of litigation if they don't do what everyone else is doing. Another point Dr. McD makes. So, it seems unlikely that one maverick company is going to be able to change much. Our whole approach needs to be torn down and rebuilt. But that is scary to most folks - especially if they don't know how to stay healthy like we do.
I try not to get too outraged or crazy over this. I just try to do my best for myself and loved ones, stay out of the system as much as possible (while staying grateful that I have access to care I actually need), and watch to see if we move any closer to a solution.