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I like the idea of paying a once a year amount(as long as it's reasonable). I also think nobody should be denied because of a pre-existing condition-which does happen! the irony of this is the person who needs to be insured the most is denied in a for -profit system! My cousin who has a serious health condition(not a smoker,drinker,etc.) was denied coverage due to a condition called polycysic ovarian disease and hypertension(which often accompanies this illness).
I like the idea of paying a once a year amount(as long as it's reasonable). I also think nobody should be denied because of a pre-existing condition-which does happen! the irony of this is the person who needs to be insured the most is denied in a for -profit system! My cousin who has a serious health condition(not a smoker,drinker,etc.) was denied coverage due to a condition called polycysic ovarian disease and hypertension(which often accompanies this illness).
Expecting a company to cover pre-existing conditions is analogous to having a car wreck and then calling Geico asking them to provide you car insurance to cover the expenses of your wreck. If one has a preexisting condition, one needs to find a job that provides a group health policy. Though, usually there's a waiting period, at least your cousin would eventually be covered.
Expecting a company to cover pre-existing conditions is analogous to having a car wreck and then calling Geico asking them to provide you car insurance to cover the expenses of your wreck. If one has a preexisting condition, one needs to find a job that provides a group health policy. Though, usually there's a waiting period, at least your cousin would eventually be covered.
One problem with that approach is that many who have severe health problems may not be able to just find a job like that. When it comes to health insurance, you shouldn't be excluded just because of pre-existing conditions. Your example with a car is very different since cars are not human beings last time I checked
One problem with that approach is that many who have severe health problems may not be able to just find a job like that. When it comes to health insurance, you shouldn't be excluded just because of pre-existing conditions. Your example with a car is very different since cars are not human beings last time I checked
No. But the principle is the same. One can't expect a company to risk its economic well-bing on a high risk investment. Insurance is a game of chance. The insurance companies, whether health or auto, are betting that your premiums will exceed the payouts. Without this, as a rule, the companies would cease to exist, then noone would have insurance. This would not likely the case with individuals with pre-existing conditins.
No. But the principle is the same. One can't expect a company to risk its economic well-bing on a high risk investment. Insurance is a game of chance. The insurance companies, whether health or auto, are betting that your premiums will exceed the payouts. Without this, as a rule, the companies would cease to exist, then noone would have insurance. This would not likely the case with individuals with pre-existing conditins.
Which is exactly why private insurance is a terribel way to allocate necessary healthcare resources. So, thank you for making my argument for me.
"Find a job willing to cover you or die" is a disgusting worldview.
No. But the principle is the same. One can't expect a company to risk its economic well-bing on a high risk investment. Insurance is a game of chance. The insurance companies, whether health or auto, are betting that your premiums will exceed the payouts. Without this, as a rule, the companies would cease to exist, then noone would have insurance. This would not likely the case with individuals with pre-existing conditins.
And thus we have the fatal flaw in the private health insurance system, as well as the fatal flaw in libertarian political philosophy, as apparently "the principle is the same" for both cars and humans, as long as you're talking about the almighty (and way more important) profit margin. But... you're right, according to capitalist dogma the insurance companies aren't doing anything "wrong" at all... they're just legally pursuing their own self interest, except the magic "invisible hand" isn't guiding everyone to better health and prosperity, instead it's slapping people down. WOOHOO!
And thus we have the fatal flaw in the private health insurance system, as well as the fatal flaw in libertarian political philosophy, as apparently "the principle is the same" for both cars and humans, as long as you're talking about the almighty (and way more important) profit margin. But... you're right, according to capitalist dogma the insurance companies aren't doing anything "wrong" at all... they're just legally pursuing their own self interest, except the magic "invisible hand" isn't guiding everyone to better health and prosperity, instead it's slapping people down. WOOHOO!
It's this same "capital dogma" which has developed p.c.'s, an effective internet, flying machines, automobiles, vaccines, artifickial hearts, dialysis machines, and nearly all innovations which have increased the quality and quantity of life for all of mankind. Self-interest is the mother of invention.
Which is exactly why private insurance is a terribel way to allocate necessary healthcare resources. So, thank you for making my argument for me.
"Find a job willing to cover you or die" is a disgusting worldview.
You forgot the third option, amongst others, pay-as-you-go.
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