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November 25, 2008

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Glad you asked.

I write about this frequently, and many of my comments on the NYTimes, Washington Post and Wall Street Journal Health Blog address this. (Link at my name to a post I wrote about the terms being intentionally conflated)

In my experience there is absolutely no relationship between health care and health insurance. What health care I have gotten at least in the last 5 years has been either paid out of pocket or with my money in a health savings account. The $600 per month I pay for health insurance has never paid one cent of any bill for health care. So I do not see how reforming health insurance will help me or anyone else.

Fundamentally the difference between health care and health insurance is that health insurance should designed and priced to deal with potential catastrophic losses while health care implies more of a preventative / maintenance focus. Over the last 30 years " health insurance " has been pushed to take on more and more of the expenses realted to health care and the pricing reflects this. There are also many " below the surface" costs associated with our health care/insurance system that are demanded at all levels.These costs effect hospitals; pharmacuetical companies; doctor offices and insurance companies such as postage; heat and light; staffing and training; benefits for employees; malpractice insurance etc. Americans don't often focus on the way inflation effects these operational expenses which ultimately impact on why our .

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