@jonnythan Said
I think the fact that virtually all insured people in the US do have copayments is a testament to the strength of the marketplace.
With respect jonnythan, the health system in the US doesn't read all that rosy to me. Competition for costs is fine, but a system just doesn't work when people who are low income owners through no fault of their own can't get the care they need - or worse still, are forced into bankrupcy when they can't pay the bill.
These are some stats I found from a site - the National Coalition on Health Care, the link is attached. https://www.nchc.org/facts/cost.shtml
National surveys show that the primary reason people are uninsured is the high cost of health insurance coverage.2
Economists have found that rising health care costs correlate to drops in health insurance coverage.8
A recent study by Harvard University researchers found that the average out-of-pocket medical debt for those who filed for bankruptcy was $12,000. The study noted that 68 percent of those who filed for bankruptcy had health insurance. In addition, the study found that 50 percent of all bankruptcy filings were partly the result of medical expenses.9 Every 30 seconds in the United States someone files for bankruptcy in the aftermath of a serious health problem.
A new survey shows that more than 25 percent said that housing problems resulted from medical debt, including the inability to make rent or mortgage payments and the development of bad credit ratings.10
About 1.5 million families lose their homes to foreclosure every year due to unaffordable medical costs. 11
A survey of Iowa consumers found that in order to cope with rising health insurance costs, 86 percent said they had cut back on how much they could save, and 44 percent said that they have cut back on food and heating expenses.12
Retiring elderly couples will need $250,000 in savings just to pay for the most basic medical coverage.13 Many experts believe that this figure is conservative and that $300,000 may be a more realistic number.
According to a recent report, the United States has $480 billion in excess spending each year in comparison to Western European nations that have universal health insurance coverage. The costs are mainly associated with excess administrative costs and poorer quality of care.14
The United States spends six times more per capita on the administration of the health care system than its peer Western European nations.14