Wilmont Kreis

The healthcare consumer must have some role as payer. Deductibles are flawed because they severely dissuade patients from initiating care. Sometimes this is something serious which will become much more expensive as time goes on. Co-pays are a great idea when somewhat tied to ability to pay. It makes you think about decisions like going to the doctor, or worse, the ER for a very minor problem. It also makes you consider whether an inexpensive proven treatment is as good as the outrageously costly new, less tried alternative.