5A you're right (or at least I agree with you.) This is one reason why I support privatized health care. No private business could stay in business with such horribly deficient practices. The private business watches it's costs and losses and all that very closely or they don't last.
Depending upon what occurs in November I will make my decision afterwards, late November, as to whether to have hope for change or to pull totally out of private health care and put that money into my own account for future health care costs.
While I abhor debt, I can always negotiate for less cost if I pay cash. . . or offer to make payments (to the tune of what I would normally be paying in premiums) to any facility I may need then.
I've thought long and hard about this.
One problem is that I'm not insurable, so if I drop my hospitalization, I can't get it back. I do have other insurance though, through my disability (not SSDI)