Yes, I not only realize it, I insist on it. People in the same risk category should be paying the same actuarily correct premium. People in a high-risk category shouldn't be paying the same premium as people in a low-risk category. Low-risk people shouldn't be subsidizing high-risk people. That's not insurance, that's income transfer.
This is the way fire insurance and auto insurance are run. Term life insurance is a good example of how it works in the life insurance industry. You get a flat premium for a fixed number of years, based on your age and health at the time you take out the policy. If after the term is up, you want to insure for another term, the new premium is based on your age and health at the time you take out the policy. As you get older, term insurance premiums become prohibitive. That's why most people buy policies that eventually get paid up. But in the early years, 20-pay life premiums are higher than term insurance at the same age. With the 20-pay life, you're buying protection against having to pay higher premiums later, especially if you become ill or have a disabling accident.
No reason health insurance can't work the same way, if we weren't constrained to get it through our employers.
Your continued insistence on re-writing the fundamental basis on which health care is priced via risk pooling and the leveling of all risk throughout the pool in favor of your own idealistic "kick all the sick people out so I can save money" b.s. has come to an end. You cannot re-write the rules in your favor alone and since you refuse to accept reality there's just no point in engaging you further.
For your own sake, never get sick. Don't get a cold, don't get arthritis or cancer and by all means - never get old lest what you seek to impose on others is imposed on you.
Have a nice life.
I don’t think usconservative is a conservative at all.
And I don’t think he means what he says...he certainly isn’t saying what he means.
Cutting off or denying coverage to a current, paid-up policy holder is one thing, and can and should be dealt with even by a tight-fisted Republican Congress, should we ever be lucky enough to get one.
But expecting to purchase a new policy, or have a new policy provided by public largesse, AFTER you have incurred some injury or illness is not insurance at all. It is welfare, and we all know it.
If you have coverage, and your family has coverage, and you or a family member gets sick, you should (within the limits of the damn policy you agreed to) be covered.
If you have no coverage and you get sick or hurt-—don’t look to me to cover your sorry @ss.