I get your point but we are just going in circles again ,.
No.. you are going in circles.. not me.
I am NOT bound by the system in America nearly as much as I was and would be bound in a socialized medicine system (single payer). Number one.. I can tell the patient what I would recommend for them.. whether covered by their particular insurance or not. Where there is discouragement of that in the socialized systems.
2. The patient has options to switch insurances and in most cases to petition the insurance for a service to be covered. AND since insurance companies do at some level need to keep customers happy, they do change their policies.
I unfortunately have had to treat many patients with HIV.. who had full blown AIDS. Its not a good thing for anyone. So HIV patients are getting covered care. And that's largely because the number of cases with HIV is relatively small. And there are laws that govern the insurance companies decisions. And those laws were strengthened in Obamacare when it comes to pre existing conditions.
Now.. that's a much better system than having Rick Perry, or Donald trump in charge of deciding what should be covered and what should not be for everyone.
By the way.. insurance companies still are except from federal anti trust laws (well in a way, Mcarran- Ferguson Act 1945 is limited in scope and applies to only portions of insurance companies business) . however they can be still regulated under states.
However, lets look at that... so you complain that you think insurance companies are acting like monopolies.. and think that's a bad thing.. and your answer is to give the government that could have Jeb Bush in charge, a monopoly?
Do you see your own disconnect? I do. See you have the liberal disconnect... you think that government is always benevolent.. when the reality its not. Right now.. if you compare private healthcare insurance with its big bad corporations with VA insurance? Private healthcare insurance wins hands down.
And you are wrong about "only the people that can afford healthcare insurance"...
I treat tons of people who are poor that have insurance. Medicare, Medicaid and insurance through their employer. Despite your diatribe, only about 10% of folks don't have insurance.. and a portion of them, a good portion CHOOSE not to have insurance.
In fact I have a patient who chooses not to have insurance (and they get free care anyway through our charity program). they claim that can't afford the 150 a month they would have to pay after the Obamacare subsidy. I sat down and talked with them about their smoking habit.. which costs them 225 a month. They still smoke and they still don't have health insurance because "they can't afford it".
but back to the poor... Only 10% of americans don't have insurance... do you claim that 90% of americans are "rich"...
Come now.. its an emotional diatribe that you are speaking.. not facts and reality.