do libertarians/conservatives believe that it is ok for private insurance companies to deny people based on preexisting conditions, drop people when they get sick, or refuse to pay for life-saving treatment? and if so, why is that their belief? why is this kind of treatment ok? government aside, why would we say that the only healthcare available is entitled to not actually deliver on the promises that they make?
it seems like everyone can agree that the current system is not working. this much we know. but what is the libertarian alternative to our present system?
libertarians want less regulation, but without regulation, how do we stop private insurance companies from killing people?
and i’m not asking to be an asshole. i am really truly interested as to what the libertarian alternative is. what we have now is private insurance companies competing with one another, but they don’t keep their prices down. forget healthcare reform for a moment. years ago, before obama was even president, my mother’s premium was raised to be $2,000 a month when she got sick. her medication was $1,000 a month. how do we keep companies from doing this? who do we hold accountable? if there are no laws against these practices, how do we make sure that these companies are not exploiting our illness? and what about people who are not offered insurance through their employer [like most people in the service industry] and don’t make enough money to cover it themselves? how do we keep each other healthy?