Healthcare is a major problem

I don't get health care. I don't understand how expensive it has become, how hospitals have become corporations of care. I see hospitals becoming the next banking crisis. I see people enter hospitals for an issue and leave 7 days later with a $200,000 bill. Who can afford the cost of a new house? Liens, lawsuits, it is never ending spiral.

I recently had to get new coverage for myself and my wife. We purchased a nice simple $5,000 deductible plan per person, $10,000 ded for the family. We were at a modest price then all of a sudden, 1 year later, we found our plan being jacked up 15%, because the healthcare said we were 1 year older and due to "their" increase in expenses. What what?

In looking for plans, I stumbled upon the HSA program, health savings account, where you put money into an account, it grows tax free and you can take it out tax free once you hit 65, sort of a savings account for healthcare. I can get a catastrophic plan for the hospital coverage, then a savings account to pay for our own doc visits or specialists, and we can start taking better care of ourselves.

So the burden, as it should have been all along, is back on us, the individual. I can see how we as a society thought that healthcare, if we buy it, should take care of us. We have it, so we are covered and can eat as much sugar and fat as we can intake. I think more people should be denied healthcare coverage, if you are denied, you have to work smarter with your own body and know what you can and cannot do. Healthcare is for sure going to be a major mess for many years to come.

Jack