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You mean like insuring slave ships back in the day? I recall reading about one particular Lloyd's of London insured slave ship that ran low on food and fresh water. So, the captain threw a hundred or so shackled slaves overboard alive after dragging them out of the hold where they were stacked like cords of wood. It got so ugly that some slaves became so depressed they just dived overboard, about 20 did just that. Later when they returned to England they demanded compensation for their insured live cargo that was lost. Lloyds refused to pay for those who where tossed overboard but covered those that jumped over board voluntarily. Ugly business, and would rather not have my health care delivered to me primarily by a stinking racket.
Despite your attempt to invoke an inflammatory analogy, you make an important point: Lloyd's DID NOT REIMBURSE FOR THE RESULT OF IRRESPONSIBLE ACTS UNDERTAKEN BY THE INSURED.
That's what I'm asking... DON'T penalize the responsible and reward the irresponsible.
Call any HC insurer and see what they would charge a perfectly healthy 65 y/o. Few exist, but see what they say.
What do you think supplemental policies are? How do you think they calculate their premiums? What makes you think insurers can't do the math for an age 65+ health insurance policy? And are you unaware that there ARE indeed people who don't even qualify for Medicare at all?
First we will have to close about 8 out of every 10 hospitals, next sell or scrap 90% of all our high tech diagnostic equipment, Layoff tens of thousands of Dr. and Nurses, then somehow convince the American people that scheduling Dr. visits, MRI's, X-rays, etc. out 18 to 24 months is only fair.
What, you don't want to limp around in pain for years, Can't do your job and gonna lose your home waiting for your scheduled MRI and day surgery, well you can do what many Canadians do, fly down here to the states and pay for private surgery out of pocket. Long Canadian wait times send patients south for surgery | Video
Your not going to have the same level of care, not even remotely close.
bill
Hyperbole much?
Nearly 60 countries operate universal healthcare systems and no two are the same. Many are ranked substantially superior to the US.
There is more outbound medical tourism from the US than inbound and some outbound US medical tourism heads to Canada.
What do you think supplemental policies are? How do you think they calculate their premiums? What makes you think insurers can't do the math for an age 65+ health insurance policy? And are you unaware that there ARE indeed people who don't even qualify for Medicare at all?
No, they should use their benefits first, why waste them? Where's that same concern for families who do not have health benefits? Would you suggest the same? Benefits are not always available. They are often going the way of pensions.
And younger families can have a child with leukemia through no fault of their own. That's the problem with health insurance. It should be a right but it's not. You can choose not to drive but you don't have a spare body. As younger generations see the greediness of older generations, reality will set in.
You lost me on the first comment. Medicare beneficiaries do use their benefits.
There are and should be similar concerns for any family without HC benefits.
HC is not a right. But IMO we the people with our rich, advanced and caring society should make it so as close as possible.
Yes, and so do many people who don't qualify for Medicare. Believe it or not, you CAN get health insurance at age 65+, and premiums DO vary depending upon your medical history and personal lifestyle choices.
Government health care is bad? We should end Medicare then.
We will likely have universal health coverage eventually once certain generations have passed. Or we could stop funding the gap that we currently pay to supplement the excessive Medicare benefits we pay out (seniors only contribute about 13%-41% over the medical coverage, you and I pay the rest). If we told seniors they've spent their allowance they need to go buy coverage, (buy popcorn!) attitudes would change quickly.
Assumes insurers would write for the elderly.
The motivation for government to create Medicare was that insurers would not write the elderly risk.
The reason government got into flood insurance is that private insurers would not write the risk.
In Switzerland, there is no public option for healthcare insurance at any age. The entire population is required to buy healthcare insurance that meets the minimum standard. Insurers are not allowed to profit from the sale of basic plans nor can they discriminate by age or medical conditions. The 21 year old pays the same premium as the 88 year old. The government subsidizes 40% of premiums. 99% of the population complies.
Insurers are allowed to profit off the sale of supplimentRy policies that will pay for things not covered by the basic plans.
"Nearly 13,000 members of Congress and staffers are currently enrolled in gold-level Small Business Health Option Program plans." Got another precious metal you like better?
https://fas.org/sgp/crs/misc/R43194.pdf
Employer portion (that would be federal gov't....er.....YOU the taxpayer) of SHOP payment 72-75% of total premium. Not bad, eh?
A 10K subsidy and freedom to join any exchange they wish equates to what in your mind? "Brass" perhaps?
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What makes you think insurers can't do the math for an age 65+ health insurance policy? And are you unaware that there ARE indeed people who don't even qualify for Medicare at all?
