Why cant health insurance work like other insurance?

Wreck a car, pay a set deductible done. Need a rental? Your policy covers, done. Car breaks down, warranty covers, done. Health insurance- you have a $10.00 co pay, paid, but we charge $75.00 but your insurance only pays $25.00 so you owe us $50.00 and they only cover 2 a year so you owe us $425.00 It is things like that I want changed. I want a national healthcare. Government regulated, not ran. If per incident charges exceed $5000.00 then this policy kicks in and covers. Just like car insurance does. Clear set understandable rules. And flex savings that don't go away at years end to pay for glasses, dental and prescriptions, that cost us citizens the same as in Canada or on the Internet. IT WAS GOVERNMENT THAT GOT US INTO THIS!!! THEY NEED TO GUIDE US OUT!! Employer-based coverage came about during World War II under FDR as a result of the National War Labor Board's decision to institute wage and price freezes in an attempt to prevent production shortages due to labor unrest or inflation. The freeze was not applied to fringe benefits like health insurance, allowing employers to compete for skilled workers by offering ever-increasing health insurance coverage. Workers grew accustomed to receiving health benefits from their employers; making employer-provided health benefits became an American institution AND YES THEY SHOULD BE TAXED, By taxing them they are back to income not a hidden source for the wealthy to play and not pay And when you check out of the hospital, or leave a doctors office, bill must be presented in full at time of check out or it is no longer owed. No more three-month latter you owe a or that. It wouldn't fly at a motel or at a restaurant should not be allowed in healthcare
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FACT - Insurance companies in the USA admit to pushing up prices, buying politicians and not paying out claims when they should That is why. Click the first link for more on that. FACT - PER PERSON the USA spends more on healthcare than any other nation on the planet FACT - Obama debated his plans before the election for healthcare FACT - the chance of a child under five of dying in the USA is greater than industrialised nations with universal health coverage FACT - Obama was elected by the American people to bring in change FACT - Obama wants to stop insurance companies from screwing the American people FACT - The reforms Obama wants work in the Netherlands and Switzerland
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