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So why don't you do a survey to see how many people would like to pay $2,000/month (or whatever the figure comes to) to be able to join a company that will cover pre-existing conditions?
Then work with whatever experts you believe could give you good answers, to figure out once and for all how much each person should pay in premiums so that all pre-existing conditions would be covered and the company would be able to pay its employees reasonable wages and it wouldn't go bankrupt.
Let us know:
1.) What price did you work out for the premiums?
2.) How many people did you ask, giving them the price from (1) above?
3.) How many said, "Sure, here's my check for the first month"
4.) How many said, "At those prices? No, thank you!"
5.) All other replies.
It would be interesting to find out how big the "demand" for such a company's policies at such a price, really is.
Ok, so let's have another example.
I am in the market for a a used convertible.
I find one, and I buy it, along with purchasing insurance.
The top on the car was terrible, but the rest was great, so I buy the car..
A month after buying the insurance, I put in a claim for the terrible top.
The insurance does not want to pay to replace the top, because it was like that before I bought the insurance.
Why should the insurance company pay to replace a top that was in terrible condition before I even insured the car?
Same goes for pre existing condition when people apply for health insurance.
Why should an insurance company have to pay for a health condition you had before getting the insurance?
You can live without the car. You can't live without your body.
You can choose your car. You can't choose your body.
You might never get a car accident (and most people never got into it). You will get sick.
Simple as that.
On another hand, we can try it.
Have no money and got sick? Let's just shoot the unlucky one. That's effectively what it is without covering pre-existing conditions.
Overall society health will be much better, only rich will survive for a long time, most other folks will either die of live till 40yo max, giving the way only to an absolutely healthy ones.
Brave new world, how wonderful it'll be!
Although Nazi in Germany tried exactly this approach. They were highly inspired by the USA in that time, just took it a little bit further - just tiny little bit. I guess you like the result?
The main, real problem is that health care in this country is not a health care - it is health business.
For those who think that this is normal situation, I suggest to go further and apply this principle to everything.
Firefighters should cover only those who can afford their fees - everybody else should just deal with fire themselves.
Police should protect only those who can afford their fees - everybody else should just deal with thugs themselves.
Army should protect only those who can afford their fees - everybody else should be opened up for any country to conquer them.
Get rid of Medicare, Medicaid, Social Security etc - they are not needed.
That is unrealistic.
Like I said earlier, the only way pre existing conditions would be insured is, if the government became the insurance company.
Demanding that private business take existing conditions for patients can never happen.
It’s easier for you to have the attitude that you do than it is for some people. You’re on Medicare, and you can afford what Medicare doesn’t cover.
So why don't you do a survey to see how many people would like to pay $2,000/month (or whatever the figure comes to) to be able to join a company that will cover pre-existing conditions?
Then work with whatever experts you believe could give you good answers, to figure out once and for all how much each person should pay in premiums so that all pre-existing conditions would be covered and the company would be able to pay its employees reasonable wages and it wouldn't go bankrupt.
Let us know:
1.) What price did you work out for the premiums?
2.) How many people did you ask, giving them the price from (1) above?
3.) How many said, "Sure, here's my check for the first month"
4.) How many said, "At those prices? No, thank you!"
5.) All other replies.
It would be interesting to find out how big the "demand" for such a company's policies at such a price, really is.
Well, this is the point. What I can afford, many cannot.
And as covering pre-existing is obviously a loss leader for any insurance company, only the rich or those subsidized could afford the HC that they need. That would be your demand. And the broad result being the haves and the have nots with HC.
This is the core idea, where we have to invent centrally created and supported social programs. Where the private sector fears to tread, as it cannot profit.
But IMO we don't want to go down the path of all gov't owned and gov't employed. Like a massive VA system, with dubious changes during Trump's administration.
IMO Medicare works quite well. Where the HC is centrally administered but by and large privately delivered.
I still like Hillary's plan to lower the Medicare age to 55-60, and I think Biden too.
The product that is "health insurance" that we have today isn't really insurance, it's cost sharing. We'd probably be better off coming up with a new name for it.
One illness....no ins, would wipe your whole life savings out, and lose your home.
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