快樂牛郎

Why should everything be privatized?
1.  Because you don't know the function of government.
2.  Because you don't know mathematics, you may not be able to understand it.

Throw us some real mathematics and data, instead of blanket statements.

快樂牛郎

When outpatient clinic is included in the health insurance plan,  the expected claim number goes up.  Then the premium will go up too.
If you know how to calculate insurance premium, you will understand.

If you have more coverage, of course you pay more.  I don't see a problem with this.  If you just want a plan that covers hospital stays only, you could get some plan that has like a $20K deductible.

Your wsj articles have nothing to do with what I said.  In addition, individual market is a pretty small segment.

Insurance companies can offer plans, for example, outpatient and critical illness, separately.  What is eligible to claim is limited by different types of insurance policy.  Simply look at the example in HK.  You can see the health insurance premium is not high, way lower than that in the States.

I am pretty sure there are many other reasons why premiums in HK are lower, other than paying them "separately".  Buying Inpatient and Outpatient coverage separately is like buying a monitor and computer hardware separately.  If you *only* need one of them, then you can save money by buying just one of them.  But that doesn't apply in the case of health insurance.  It makes no sense to buy an "outpatient only" plan because then you are not really insured against anything.

快樂牛郎

It's also pointless to compare two countries/regions when so many different factors could've contributed to the success and failure of each.

快樂牛郎

Googling doesn't give you the whole picture.  While there's definitely a lot of waste in the government, whatever you said about covering office visits makes no sense.