Describe how you think these groups should be serviced and what services should be provided to them.
Here's the way it works. When most people pay their own medical bills, the doctor sits down with the patient and they discuss options and costs and decide what to do. When most people have insurance, that discussion does not take place. Tests and second opinions that would otherwise have been optional are automatic. The doctor hires more staff to fill out the insurance forms and keep extensive records. The doctor has to have the latest equipment to be sure his diagnoses are legally defensible. Everybody knows the bills are covered, and services are assumed to be competent. All of this, the extra tests, the second opinions, the documentation, the equipment, has to be paid for, and the cost goes on the patient's bill. The insurance company's only concern is that charges are necessary and reasonable.
Please notice that I have not suggested any form of deception. All of this is normal, honest, and unavoidable. Increased medical costs are automatic when most people have insurance.
But normal market forces are still at work. Demand is limitless, but services are scarce. In a normal market, demand is controlled by costs. When that restraint is removed some other method must be found to keep demand equal to supply. One way to limit demand is to make patients wait. When there aren't enough doctors to treat people as fast as they come in, patients must wait. Those that can't or won't wait go away. Travel to a treatment center has the same effect. When the market is controlled by costs, people who really need treatment can get it by paying the cost. When the market is controlled by some other method, individuals are prevented from making their own decisions about what they really need. They can only get treatment by waiting, or by obtaining some sort of official approval or professional reference, that is to say, by political influence.
Your desire to "group" these people is understandable but not useful. The problem is not groups, it is government meddling in free market exchanges. Here are some articles explaining the topic:
The goal of “an acceptable level of health for all the people of the world” will soon be achieved. But not by the UN or the World Health Organization or environmental planners or social reformers or physicians. That accomplishment is reserved for Jesus Christ.
For all of us more is required than good physical health. Mental and spiritual factors also play an important part in maintaining a healthy life-style.
A Bible prophecy at Isaiah 33:24 promises: “No resident will say: ‘I am sick.’” Revelation 21:4 also promises: “And [God] will wipe out every tear from their eyes, and death will be no more, neither will mourning nor outcry nor pain be anymore.” Yes, the Creator’s promise is a new world right here on earth, where mankind will be raised to human perfection, with vibrant health and everlasting life being the lot of the human family!—Isaiah 65:17-25.
When I remember these prophecy it gives me comfort not just for myself but for all who wants a real solution.
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