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originally posted by: seasonal
a reply to: Edumakated
Do you have a source to show me how this works?
There is no "scam" to insurance as some people like to claim. Fundamentally, the insurance company is betting that you don't need the coverage and you are betting that you do.
There is no "scam" to insurance as some people like to claim. Fundamentally, the insurance company is betting that you don't need the coverage and you are betting that you do.
Insurance is not sustainable that way because the actuarial tables won't work.
originally posted by: carewemust
a reply to: Edumakated
Many people don't want the type of health "insurance" we have now. They want a GUARANTEE that they will have their illnesses/injuries treated, as needed, no questions asked.
For that, our government is the appropriate provider. Something of this magnitude should be voted on in a special nationwide election. It shouldn't be left to the dysfunctional Congress to decide.
If it passes, those who want to keep private insurance can do so. Everyone else will automatically be covered by Uncle Sam. Taxes will be increased somewhat on everyone, but that would be what Americans voted for.
originally posted by: ketsuko
originally posted by: carewemust
a reply to: Edumakated
Many people don't want the type of health "insurance" we have now. They want a GUARANTEE that they will have their illnesses/injuries treated, as needed, no questions asked.
For that, our government is the appropriate provider. Something of this magnitude should be voted on in a special nationwide election. It shouldn't be left to the dysfunctional Congress to decide.
If it passes, those who want to keep private insurance can do so. Everyone else will automatically be covered by Uncle Sam. Taxes will be increased somewhat on everyone, but that would be what Americans voted for.
The problem with that is that the government is not an appropriate provider. Ask the VA. Ask someone who is dealing with the public school system in many districts.
originally posted by: seasonal
a reply to: burdman30ott6
That is not the only solution.
Let's look at other countries and see how they handle this seemly insurmountable problem.
originally posted by: ketsuko
The problem with pre-existing conditions is that it isn't strictly for pre-existing conditions as most people think of them.
The way it was written, it covered people who wanted to not bother paying for any insurance ... until they went to the doctor and he told them they had cancer. At that point, they wanted to get insurance to pay for the bills. The concept of insurance only works out if you pay in for a long time before you get sick, meaning you buy in when you are healthy.
Allowing such people to suddenly buy in under pre-existing rules made sure they could sucker the system and that drove premiums way up because those who tried to be responsible wound up paying not just for themselves but against the risk of suddenly having to pick up catastrophically ill people who would suddenly jump into the pool without having contributed prior.
I am guessing that what most people think of are the ones who have chronic illnesses or who were responsible and lost coverage midway through a cancer battle or shortly after.
originally posted by: Krazysh0t
originally posted by: ketsuko
The problem with pre-existing conditions is that it isn't strictly for pre-existing conditions as most people think of them.
The way it was written, it covered people who wanted to not bother paying for any insurance ... until they went to the doctor and he told them they had cancer. At that point, they wanted to get insurance to pay for the bills. The concept of insurance only works out if you pay in for a long time before you get sick, meaning you buy in when you are healthy.
Allowing such people to suddenly buy in under pre-existing rules made sure they could sucker the system and that drove premiums way up because those who tried to be responsible wound up paying not just for themselves but against the risk of suddenly having to pick up catastrophically ill people who would suddenly jump into the pool without having contributed prior.
I am guessing that what most people think of are the ones who have chronic illnesses or who were responsible and lost coverage midway through a cancer battle or shortly after.
This highlights the flaws in the insurance system. Not so much humans' wellness patterns though. The problem is healthcare costs. If we could make them manageable than health insurance would go the way of the dinosaurs.
originally posted by: Krazysh0t
a reply to: Edumakated
Part of what I'm talking about is trying to decouple the necessity of health insurance. We operate like health insurance is a necessary cost of health care. It isn't. Insurance companies have gotten away with YEARS of jacking up health care and medicinal prices while hospitals have been allowing it with the intention of negotiating the cost down with the insurance company.
We need to get rid of that entire mess above.