Posted on 03/15/2017 10:24:18 PM PDT by TBP
Should you be able to drive without car insurance? Yes, in some states you can. If you have a major car wreck — without insurance — should you be able to call the insurance company from the crash site to buy it then and there?
GLENN: Look, the best way to explain this — the best way to explain what’s happening to our insurance companies is this: Would anyone think it’s fair to say to an auto insurance company, I’m not going to buy any auto insurance unless I’m in a wreck.
PAT: Uh-huh.
GLENN: So when the police comes up and your car has been totaled and the other guy is being taken to the hospital —
PAT: Now you call Allstate and say, hey, I need a policy.
GLENN: I need a policy. And they can’t turn you down for the wreck you’ve just had.
PAT: Okay. And they pay for it. That’s exactly what’s happening with medical insurance.
GLENN: Exactly. How does Allstate survive if everyone gets to do that?
PAT: They don’t. They don’t.
STU: Well, I don’t know, if you have a law that mandates everyone use Allstate —
JEFFY: Thank you. You have to have auto insurance though. I do have to have auto insurance.
STU: Well, and it’s funny. That’s what the left says. You have to have auto insurance. First of all, it’s not true in every state. But still, the bottom line, you’re right. It makes no sense if you can get it after the fact. And while you have incredible compassion for people in those positions, you have to find a different way to handle it and deal with that issue, rather than forcing it on everybody.
Glenn needs multiple tangential insanity insurance more than car insurance. Glenn, take a ride with your car insurance along one of your interminable tangents and get lost jackass. You are hopeless.
Fortunately there are 1000-time rehearsed and repeated irrelevant arguments from 8 years ago for Gleck to trot out.
Obamacare stripped the insurance from millions who had pre-existing conditions that were covered.
That was a crime against the people of the US.
Now all those with pre-existing conditions will have no way to get healthcare coverage if Obamacare is simply repealed.
In the end it will be the middle-class taxpayers who will pay the healthcare costs of the unfortunates with pre-existing conditions who were stripped of their coverage.
Yes, it sux big time... but what else can we do?
See my tagline...
Glenn is nuts.
That’s Glenn, alright. Too clever by half.
I'd say the middle class is already getting clobbered. Premiums in my area have almost tripled since Obamacare started. It is unsustainable.
it’s a LOT worse than that!
the car insurance company would also have to pay every cent to wash your car, repaint it whenever you want, and if you choose to identify you car as a truck... then they insurance company would be required to make the modifications!
All of course with no cost to you.
“...you have to find a different way to handle it and deal with that issue, rather than forcing it on everybody.”
Well-the ‘different way’ is called “uninsured motorists” and you carry it on your own policy for when that uninsured guy hits you. So the cost of YOUR policy increases.
The same thing goes on in the health care arena. We are taxed to the point of radical mastectomy so government programs can continue for indigent and others who refuse to take responsibility for themselves.
In the mean time, there are Liberal politicians who make careers out of ignoring (lying about) the decades of US taxpayer money thrown at government health care programs available to lazy and demanding losers.
Liberal lies continue just as if health care plans in this country do not exist/have ever existed to help these people. Instead, Liberals demand MORE and MORE money. Their demands are always disguised as ever more gratuitous and irrational ‘health benefits’ for able-bodied people who never WILL take care of themselves.
I say: “Liberals, if you campaigned for decades and succeeded to office by promising your voters more and more benefits at MY expense... and they STILL need more help, then they should contact the people the government hired to take money from me, FOR them. THAT’S where the money is!”
I agree with the logic, but the full context of the matter is larger than that.
What’s missing?
By lodging health insurance as something offered by the employer (as is the case with MOST private health insurance), the individual is FORCED into the “preexisting conditions” conundrum because they cannot take their insurance policy with them as they change employers. Anything their current policy has already been covering becomes a preexisting condition with any new possible insurer.
Recognizing that larger context requires some adjustment mechanism, for the individual and the insurers.
What was run up the flagpole before Obamacare was made the law, was a nationwide “high risk pool” funding mechanism that insurers could draw on when having to accept someone with “preexisting conditions”.
Until we can move to health insurance being policies that individuals have on their own, even if employer compensation continues to offer some payment toward the premiums, we will have the preexisting conditions conundrum, and we will need to make some adjustments for it.
The problem would go away if individuals had their own policies that did not change, from employer to employer, and that means across all state lines.
The present laws are not fair to that ideal, and cannot be fair to the conditions the laws create, without some adjustments, adjustments that wouldn’t be needed in an ideal system - which is not what we have.
Glenn makes a good analogy in that car insurance protects others where health insurance only protects you...
If they would take off the limits imposed on health insurance and make doctors and hospitals compete for business then you would see costs come down..
Bravo.
And bravo to you, too.
How expensive would car insurance be, if it was required to cover oil changes, tires, transmissions, etc...
That's why medical insurance is so expensive.
Perfect.
1. Healthcare is not a “right.”
2. The Federal government has NO role in healthcare.
3. Healthcare and heath insurance are two different things.
4. How did people get if before 0bamacare? They obviously did.
Yes, I recall the late Stan Evans saying that if we used car insurance the way we use health insurance, the insurance company would be paying for our gasoline.
lol good one! forgot about including gas! oil changes, 10,000 mile check ups, registration, inspection, ect..
all paid for entirely by our car insurance with no out of pocket costs..
just IMAGINE how expensive it would all be?
Rand Paul says we should give other kinds of groups — credit union customers is the example I heard him cite — the same kinds of group privileges as employers get.
If you got insurance through the credit union, or your religious denomination, or a union, or a small-business consortium, or whatever kind of group, you could take it with you to the next job and the one after that. And because you’ve got different kinds of large groups, they have negotiating power, which keeps the price down.
Affordability and portability, in a market-based fashion. Taht works for me.
Individual policies are the best option, along with MSAs that expand to work the way your IRA does, but creating additional large groups helps negotiate lower rates.
All of these options should be available.
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