Reply #17: Furthermore, a FIXED copay does nothing to keep costs down.

[TahitiNut]

If the copayment system were based on a percentage of the price charged, then people would be motivated to seek the most cost-effective sources when time permitted. Today, insured people have almost no comprehension of the variance in costs.

This is the "big lie" in all the myth-based claims regarding "market forces" when insurers merely pass on price increases in increased premiums. It's far past the time when a national health care system akin to France's or Denmark's is needed.