So much debate (as there should be) on health care reform and it's gotten me to thinking about why there are so many people that feel that health care should be inexpensive if not free. Yes we have health care but we pay a pretty penny for that care/policy. We have an HMO and although it doesn't cover necessarily all doctors or all procedures it's been good for us (my husband with cancer and me with copd-emphysema). We have a copay for what seems like more and more procedures but that's okay, it's still less expensive than the alternative. If everyone were to pay for their health care it would probably be less expensive. When someone goes into an emergency room for care and they don't have insurance, someone has to pay for this specialized care (and the ER is a medical specialty) and who pays for it are all the people that are already paying for health care insurance (as the costs are passed through the insurance companies for care and they pass the cost on to it's members).
I don't believe that if you want to pay for your insurance that they should be able to turn you down for pre-existing conditions.
My son is a doctor and he's gone to school/trained/worked for 9 years since he finished college and is finally ready to take his oral boards to to board certified. He and his wife have taken on a huge amount of debt for medical school and living expenses during residency and his fellowship when he wasn't making diddly (his wife was working). Doctors really do have to pay for their training and testing (yes they pay to be tested). Doctors also have to pay for their health care (no they don't treat themselves or their family members). Contrary to popular belief, "most" doctors do not make a huge salary.