No heath ins

With all the talk about health care I was wondering what our lives would be like if we didn’t have health insurance. First let’s take a look at how we use our insurance. Imagine a person eating at an all you can eat buffet. They pass by the salads and buns and head right for the lobster and steak. Since payments to doctors and hospitals depend on how much service they give and since the premiums paid by the patient are the same regardless of use, its lobster time. I think it can reasonably be assumed that if we had to pay out of pocket for our medical services we would use less. The average organ transplant cost $150,000 so how many people could afford that. The average stay in the hospital is five days and cost $30,000. Would people change their life style if there were no health insurance? Would we have fewer doctors, clinics and hospitals and how would that affect medical cost. Right now 30% of Medicare funds are spent on 5% of the patients in the last years of their life. Would people spend their estate on keeping themselves alive for one more year? Would the quality of life make a difference? Doctors readily admit that they have elderly patients who come to them because they are lonely. This is so common it has a medical name. It is called grandiose delusional disorder. Would these people change if they had to pay?