Should America just get rid of health insurers?

Americans don’t seem to like insurance companies much, even if they’re happy with their health coverage itself. Several Democratic health-care proposals would end private health insurance entirely, an idea that some Americans seem to applaud, until you tell them that it would entail higher taxes and a government-run system. And then they sometimes, but not always, become less sanguine.

One reason insurance companies get a bad rap is that they’re associated with “surprise medical bills.” These billing nightmares occur when insured patients go to a hospital they thought was in-network, but then—sometimes inadvertently—see a doctor who is out-of-network while they’re there. (This is on top of the exorbitantly high medical bills that many uninsured people receive, no matter what doctor or hospital they go to.)

There is, however, a way to eliminate those bank-busting surprise medical bills without eliminating health insurance. Just ask Europe.

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