[E. Pluribus Unum]

So I can have the wreck and wait for “open enrollment?”

Cool!

You F’ing idiot.

It’s still not insurance.

You do understand the mathematics behind actual insurance, right?

Just because you call it “insurance” doesn’t make it insurance.

[ArmstedFragg]

More like indemnification. Note the “dem”.

[setter]

“So I can have the wreck and wait for “open enrollment?”
Cool!
You F’ing idiot.”

If you have a wreck in May 2019 and your medical expenses are $250k, when your insurance starts in January 2020 it does not pay back those expenses occurred in May only expenses from January 1st 2020 and later.

35 year career working for health insurance companies. I think I know a little bit more than you of the complexities.

Nice language.