Unfortunate, but what do you propose? You think insurance companies should be forced to cover them at average rates even though that necessarily means losses for the insurance companies?
What’s the purpose of insurance? Why have it? You don’t get insurance to pay for the every day expenses; you get it to cover the catostrophic events.
That’s why we got insurance in the first place. We had 1 healthy baby. We certainly didn’t think we would get one with lots of medical problems. We didn’t want to take a chance with not having insurance.
I know of lots of healthy people who have insurance, and then they get cancer and insurance drops them. What’s the point.
I can easily pay even up to 10K a year. It’s the 200-300K (or more) expenses that are hard.
I am definitely not a supporter of government run healthcare. I think that’s going to make things worse.
One of the big problems I see with our current system is how to treat people that have insurance that have developed problems. My daughters anti-seizure medication is $2000 a month. She’ll be on it for at least 2 more years.
What happens if my husband loses his job? You only have cobra for 18 months. I lose sleep worrying about him losing medical coverage and everyone denying us. It would be very difficult to pay for her medication without insurance. Then what happens if she has another grand mal. One trip to the emergency room in an ambulance is over $1000, not including the hospital stay. We have savings, but not enough to cover all of her problems.
I forgot to add my proposal.
I think there should be 3 rates that are determined beforehand and people fall into different categories:
1 rate for healthy people (say $5000 a year)
A higher rate for people with pre-existing conditions who have had insurance (say $10000 a year)
An even higher rate for people with pre-existing conditions who didn’t have insurance (say $20000 a year)
I also like tax breaks without limits for all medical expenses.