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Contracts are negotiated, but there aren’t a huge number of insurance companies, and it’s hard to break in because the existing insurance companies will work to keep others out of the market. I’ve seen plenty of cases where “free negotiation” has a tendency to screw the people who need help the most. Particularly if you combine this with the idea that the working poor are least likely to be able to negotiate well and most likely to not have a good option already.
This is simply not true. There are enough companies out there who will seek the business of a large corporation or a large association of citizens who are joined together to negotiate reasonable healthcare prices. That is the only thing that will moderate healthcare prices. Government won’t, other than by queuing and rationing. On the bolded, perhaps you can list some examples, with links, of course, since you’ve seen plenty.
I don’t think “free negotiation” is some magic bullet - large corporations, without regulation, will use their abilities to dictate the most favorable terms they can by simply refusing to deal with anyone who doesn’t accept the terms the company wants.
Who here is speaking of a magic bullet, or even “without regulation”? I haven’t said any of those things. But I do know what is not a magic bullet, but is more like a poison pill; government dictated healthcare.
You say that companies “will use their abilities to dictate the most favorable terms they can by simply refusing to deal with anyone who doesn’t accept the terms the company wants.” So will government. This difference is government will have the power to force you to accept its terms. Government will have the power to take you money against your consent, and dictate what care you will get, and when, and if.