What incentive does Congress have to pay your health costs?

I am a licensed CPA, practicing in the expertise of small business. I tell you that so you know that I fully understand economics, both macro and micro, and how it relates to Joe the Plumber to a CEO of a major corporation.

Very few seem to see this issue from it's most important view, and the reason why a nationalized health plan, single payer if you will, will not and cannot work in this country nor in any country. The reason has been touched in many blogs and posts, but from a negative perspective. Three words ...

Incentive. Incentive. incentive.

The reason why health insurers don't want to pay claims is the same reason readers of my post don't want to pay my family's medical expenses. You have no incentive to do so as it doesn't benefit you, in fact takes your resources and transfers them to me. I sincerely doubt that any reader personally pays the expenses of another that they do not know, some stranger. Yes, you may contribute to United Way or the like, but not directly to those you don't know ... because you have no incentive to do it.

So you think the government has an incentive to pay your health expenses? How so? I submit to you they have less incentive than an insurer. The government has fewer resources than the private sector, as they are already in debt $12 Trillion. If an insurer denies a claim they should pay, they get their pants sued off and horrible press coverage. What if the government
doesn’t pay, then what? We can’t sue them, and WE HAVE NO RECOURSE.

We must remember that whether the government or an insurer pays the claim, that agency sees us as a policyholder or taxpayer, not a human being. Stop telling yourself otherwise, because you know deep down in your heart it's true.
It simply is NOT possible for a third party, whether a government agency or insurer, to care about our health more than we ourselves do.

We must stop transferring our resources to the insurers and have high deductible plans, saving our money each and every year for our own health expenses. I personally have a $10,000 deductible, and increase it each year, saving the necessary money in a health savings account to pay my family’s medical costs.

What if everyone did that over their lifetime, starting young and saving throughout their lives? Over the next 2 generations we could create a society that has developed their own health wealth instead of transferring it to an insurer or agency that is some third party that only views us as a claim, taking their resources from them.

Incentive. Insurance companies AND the Federal Government have NONE to pay claims. France is not the answer, government is not the answer ... other than getting your vote, what incentive does Washington DC have to take care of your health?

None.