Thats because 10 years ago you would be paying for your health care not someone else but you would still be buying under a screwed up gov system and is why it's so expensive.Firedome8 wrote: ↑Sat Dec 09, 2017 9:12 pmWrong,,,I guess when the state forced you to buy car ins its ok !!! When I wanted to buy my own ins 10 years ago it was totally unaffordable.woody b wrote: ↑Sat Dec 09, 2017 7:23 pm"Pre existing conditions" were, and have always been covered, as long as there's no lapse of coverage. You could change insurance providers, and still have coverage for preexisting conditions as long as there wasn't a lapse in coverage.
Let's compare health insurance to other types of insurance. Most States require that motorists have liability insurance. If you're a safe driver with no tickets or at fault accidents your rates are lower than someone who's had tickets, and at fault accidents. It makes sense that good drivers would pay less, since they cost the insurance companies less.
Homeowners insurance? If you live in an area prone to flooding you have to pay more for flood insurance.
I'm 53 and I've been lucky with my health. I've never spent a night in a hospital (as a patient) and I've never met my insurance deductible. I've been paying health insurance premiums for 35 years, but no insurance company has ever paid out a single penny toward my healthcare. Why should I pay more for health insurance just because someone else has a preexisting condition?
It all comes back to the question is healthcare a right that should be provided for everyone, or is it a privilege that should be purchased. Unlike politicians and judges all over the country I've actually read the constitution. Quite a few goods and services are provided for people who refuse to pay their part too though.
If the gov was out of health care altogether you would not need insurance to pay for the false over pricing.
FYI, when they went to a force auto ins premiums dbl with in roughly a year, homeowners ins would be a sort of good example of free market but it's not because of the gov but I pay less to cover home, shop and all I own then I do to cover a 10,000 truck with full coverage.