What’s the problem with those who refuse to contribute to the insurance pool being charged more when they show up demanding to use it? The alternatives are pre-existing condition exclusion, the current mandate system, or forcing the rest of us to pay the costs of the irresponsible. Those claims paying pools don’t fill themselves.
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What’s the problem with those who refuse to contribute to the insurance pool being charged more when they show up demanding to use it? The alternatives are pre-existing condition exclusion, the current mandate system, or forcing the rest of us to pay the costs of the irresponsible. Those claims paying pools don’t fill themselves.
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Means user pays, in instances as you suggest. Any further subsidies should come from charity, not the point of a gun.
Else, false dichotomy. Get govt OUT entirely. All the way down to allowing hospitals to kick out the non-ER, sue for payment, etc....then the ‘rest of us’ don’t need worry about picking up the tab.
Pre-existing != ‘insurance’. Risk pools, charity, etc. but let’s not conflate the two.