Life Without Health Insurance?!?

What would life be like without health insurance?

Egads! The very thought gives me nightmares.

Actually it doesn’t. But the thought of life without air conditioning, now that gives me hot flashes…

I digress. Let me start out by saying that I do believe that health insurance is a good and smart thing to have, but the idea that it is absolutely necessary is hogwash.

The folks at Blue Cross/Blue Shield – who brought us health insurance in the first place – disagree with me though, and have posted this little health insurance history on their website:

“Health insurance didn’t always exist.

Let that notion sink in for a moment as you try to imagine a world without health insurance. How could ordinary Americans afford health care? Who would help doctors and hospitals finance viable practices that provide care and advance medical innovation? How could our society function and prosper without access to quality medical care?”

Gosh, this gives me the same warm, fuzzy feeling as a Norman Rockwell painting…

Let me answer a few of these rhetorical questions, one at a time:

How could ordinary Americans afford health care?

Simple. By paying for it. Just like we do for every other service or product we purchase. In fact, health care would be a lot more affordable today if health insurance hadn’t taken it over 40 years ago.

Who would help doctors and hospitals finance viable practices that provide care and advance medical innovation? 

Are they kidding? Who finances grocery stores? Beauty shops? JC Penney’s? Consumers do. By spending their cash at these fine establishments, consumers finance the creation, maintenance, and expansion of these businesses. And health care should be no different because patients, as the ultimate consumers of health care, could and would do the same.

How could our society function and prosper without access to quality medical care?

Now this question is my favorite, but you’ll have to tune in next time to find out the answer. Think it over and please post your thoughts…


It’s not the COSTS of health care that are outrageous…it’s the CHARGES.

Physician. Health Insurance Agent. Author. Health care humorist. Medical satirist. Disruptor. At your service. My name is Kevin Wacasey, and I’ve been practicing medicine since 1994. When I graduated from medical school, I took an oath to do no harm to my patients. To me, that includes financial harm. But since health insurance took over health care over 40 years ago, health care prices have skyrocketed. And despite what we’re told by the media every day, it isn’t the costs of health care that are outrageous; it’s the charges. So if you’ve ever wondered why we spend so much on health insurance and health care, then come along and join me as I explore the crazy world of Healthcareonomics. Health care doesn’t have to be expensive. Let me show you how. For speaking opportunities and to pass along your questions/comments, please email me at

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1 Comment

  1. Dino

    My answer is that is seems to function just fine. There is no good access now. People know it and are unhappy. They delay necessary care due to a fear of how much it will cost them. Then they get sick enough to trigger their insurance payments but suffer even more because of coins Iran etc and deductibles. Their incomes have declined. They cannot afford training and education. They spiral into ill-health. Hey, it’s fine. Clinical care only contributes 20% to their overall health and given their genetics, environment and stress-coping behaviors have become so dysfunctional, the best solution is to pass the Vicodin, at which point who the heck cares anyway. Everything’s just fine.

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