Health insurance...... if you are not on an employer's plan, you probably pay a lot more than you're comfortable paying. The only people who like Obama Care (ACA) are the people that get it for next to nothing. This has to change, but a law will not all of a sudden make poorer people be able to afford health insurance unless it is subsidized. The future is single payer unfortunately. Everything else just chips around the edges.
Actually, I'd like to alter this just a smidgen - from affording health
insurance to affording health
coverage. It doesn't matter if health insurance is $50/year if it doesn't cover anything and people are still going bankrupt from healthcare costs from any illness.
People don't need healthcare insurance. They need to be able to seek care for an illness or injury without going bankrupt, and insurance should be for evening costs out - like with other insurances. You spend $600/year on house insurance, for example, to render a possible total loss from a fire down to a predictable $100/year as part of your umbrella home insurance policy.
And, because it is a critical life need, people will see the doctor no matter what. They'll just declare bankruptcy later, which raises the prices we all pay. Plus, the bankruptcy procedure is
inefficient, so it's better to figure out a different way.
we don''t need single payer. I say that we raise eligibility for medicare though. The subsidies are to wean people off of a 100% coverage plan like medicare, to avoid that being a cliff - "We can't earn $1k more, we'd lose $18k in health benefits!"