I don't care whether you have medical insurance or the degree to which you have it (nicely nuanced Mr. Kerry). I DO care that you see fit to advise college-educated 20-somethings to forgo medical insurance because their premium costs will probably outweigh their incurred costs in the early years of coverage.
Besides the obvious catastrophic accident, procreative reasons why young people should have insurance, there's also pre-existing conditions (like MS and leukemia) that may not be covered when these young people suddenly realize what the long term benefits of having medical insurance really are.
Try shopping around the medical profession some timy
Yeah? Try showing up at the ER after a serious accident without medical insurance and watch what happens. If they don't turn you away outright, they'll leave you with a bill that will stagger you.
Of course you could always refuse to pay or plead poverty as so many others do. That would leave the rest of us taxpayers picking up the tab for your ignorance.
The term degree implies a range of successively greater ammounts and a range of that sort by necessity includes from nothing at all to full 100% coverage. There is accordingly no need to nuance anything.
I DO care that you see fit to advise college-educated 20-somethings to forgo medical insurance because their premium costs will probably outweigh their incurred costs in the early years of coverage.
I posted no more than what works for me. Since it is ultimately their decision to make you have no more right to dictate what they choose than you do to dictate what I choose. If you want to advise them something other than what I have simply stated to work for me, be my guest. Maybe they'll listen or maybe, like me, they'll decide that your reasons still aren't economical or enough of an incentive to merit doing what you percieve to work for you. Either way, it's their right and beyond offering advice, which nobody is stopping you from doing, you are infringing upon a decision that is not yours to make.
Yeah? Try showing up at the ER after a serious accident without medical insurance and watch what happens.
All the more reason to avoid accidents. The game of insurance is inherently and ultimately a game of risk and risk aversion. Some people are more risky than others. Some people are more prone to step in front of a bus than others. Does the fact that you are stupid and accordingly very prone to step in front of trains mean that we should all have anti-train stepping insurance? Absolutely not! The more alert among us can minimize our risk from through that alertness and eliminate the purpose of paying for something that we don't really need. Would I advise a person whose mother, father, brother, uncle, and three cousins all had the same form of genetic kidney disease to forgo insurance that may cover that disease if it emerges in him? Probably not. But that doesn't mean those of us who have no incidence of kidney disease in our families are also at enough risk to merit taking out "kidney insurance." So once again it's all a case of risk and since people have different risk levels they will also have different levels of health insurance demands ranging from very little if anything to full coverage. So my question to you: why is it so wrong for people who have very small risk levels and accordingly have very little insurance demand to opt against taking out a policy that may be good for the guy nextdoor with all the health problems who makes weekly doctors visits? The answer is that it isn't and your one-size-fits-all insurance demands neglect the very concept and reason for which insurance was invented in the first place: to be a device of risk management for people with levels of risk that correspond to and merit their demand for that insurance!
Of course you could always refuse to pay or plead poverty as so many others do.
Why should I do that when I could simply write the check for what they charge, which is something I would be more than happy to do so long as what they charged for was merited, acquesced to when possible, and priced at or near the going market rate for that procedure.