[unishark]

> Of course you have. The first thing you did when you walked in was hand them your ID and coverage info. You think hospitals operate on the honor system?

They mail you these paper forms known as "bills". I have examples I can show you. Insurance only pays a portion. I suppose you can call it a kind of honor system.

And given your examples, you apparently aren't aware that when it comes to emergence care in the US, hospitals which have an emergency department are required by law to provide emergency care as needed to make sure a patient is stable. One's ability to pay is not a factor.

[arcticbull]

I've lived in the US for more than 10 years. What you're saying there is a mix of half-truths.

One is of course that "I suppose you can call it a kind of honor system," no, you can't, it's enforceable by law and actively collected upon. That's not an honor system.

> And given your examples, you apparently aren't aware that when it comes to emergence care in the US, hospitals which have an emergency department are required by law to provide emergency care as needed to make sure a patient is stable.

Yes, the bare minimum, then ejecting them out the back door as soon as they possibly can. Of course by waiting until they require emergency care you're fleecing everyone. Minor issues that could have been addressed earlier for pennies on the dollar are instead allowed to fester until they become life-threatening, then when the poor can't pay, it's socialized across those who can at the worst possible time for the highest possible price.

Not to mention, this is an argument against the free market approach which would just be to refuse service. This is actually bolstering my case that healthcare is not a free market because of a lack of ability to form a voluntary contract.

> One's ability to pay is not a factor.

Oh come on now. Who doesn't have health insurance? The poor. Who's going to get the bare minimum treatment required be law and getting booted out the back door? The poor. Who's then going to get a bill for it forcing them to declare bankruptcy? The poor.

This is strictly about one's ability to pay.

[throwaway201103]

If you're already poor, bankruptcy isn't really the biggest of your worries. You can't get blood out of a turnip, as the saying goes.

[unishark]

> Yes, the bare minimum, then ejecting them out the back door as soon as they possibly can.

New goalpost eh? No they generally just treat everyone fully and pass the cost on to people with insurance. Trying to transfer uninsured people out leads to lawsuits.

[arcticbull]

Nope, I've only got one goalpost. To express that healthcare cannot be a free market.

This was a digression and exploration of how your specific situation exists because of government intervention. The alternative is to let poor people die outside, and that's distasteful to me, and to most.

[unishark]

No the poor received charity, directly from the hospitals. In fact historically, hospitals were charities, many still are. And the rest still provide it too. In the story I linked the uninsured person's whole problem was that he earned too much to qualify for the hospital's financial aid program, so had to negotiate to get a lower bill.

[arcticbull]

lol, why on earth would we want to advocate for a system where the poor have to rely on the charity of for-profit institutions? Try that at the grocery store. We already have kickstarter campaigns for insulin. What you're advocating for is inhumane and shameful for a first-world country. It's shameful. And it's all besides the point.

A voluntary exchange between buyer and seller prior to exchange is necessary for a free market. You're describing a failure mode where a service provider is about to be screwed out of compensation and is willing to settle for less just to get something.

It's hard to believe you're advocating so hard for something so inhumane and dysfunctional.