Insurance is a very simple business: it is the contractual transfer of specifically-defined potential future risks from an insured to an insurer for an agreed fee (premium).
Any program or mandate that requires an insurer to pay the cost of a treatment or loss for an insured's pre-existing condition without the ability to charge a fair premium for that coverage is not insurance at all. It is a subsidy.
I would love to not have to carry fire insurance on my home but have the ability to buy it at the same rate as my neighbor after my home is already on fire. Similarly, I would love to not have to purchase health insurance until after I have a heart attack but before I have heart surgery.
That's one of the problems with pre-existing conditions, and it's one of the reasons why insurance companies want a very large pool of people to insure -- mitigate risk. The largest pool possible is everyone in the US, AKA single payer.
I'm not here to make insurance companies money. Fuck that shit
130 year old guys aren't making insurance companies money.
Single payer removes health insurance companies btw.
Insurance is a very simple business: it is the contractual transfer of specifically-defined potential future risks from an insured to an insurer for an agreed fee (premium).
Any program or mandate that requires an insurer to pay the cost of a treatment or loss for an insured's pre-existing condition without the ability to charge a fair premium for that coverage is not insurance at all. It is a subsidy.
I would love to not have to carry fire insurance on my home but have the ability to buy it at the same rate as my neighbor after my home is already on fire. Similarly, I would love to not have to purchase health insurance until after I have a heart attack but before I have heart surgery.
That's one of the problems with pre-existing conditions, and it's one of the reasons why insurance companies want a very large pool of people to insure -- mitigate risk. The largest pool possible is everyone in the US, AKA single payer.
I'm not here to make insurance companies money. Fuck that shit
130 year old guys aren't making insurance companies money.
Single payer removes health insurance companies btw.
I know. Then we can get VA level care!!!!!1111!!!!!!
Keep the insurance option private and affordable for the healthy and employed. Just write a fucking check for the sick and poor. We would save money.
Insurance is a very simple business: it is the contractual transfer of specifically-defined potential future risks from an insured to an insurer for an agreed fee (premium).
Any program or mandate that requires an insurer to pay the cost of a treatment or loss for an insured's pre-existing condition without the ability to charge a fair premium for that coverage is not insurance at all. It is a subsidy.
I would love to not have to carry fire insurance on my home but have the ability to buy it at the same rate as my neighbor after my home is already on fire. Similarly, I would love to not have to purchase health insurance until after I have a heart attack but before I have heart surgery.
That's one of the problems with pre-existing conditions, and it's one of the reasons why insurance companies want a very large pool of people to insure -- mitigate risk. The largest pool possible is everyone in the US, AKA single payer.
I'm not here to make insurance companies money. Fuck that shit
130 year old guys aren't making insurance companies money.
Single payer removes health insurance companies btw.
I know. Then we can get VA level care!!!!!1111!!!!!!
Keep the insurance option private and affordable for the healthy and employed. Just write a fucking check for the sick and poor. We would save money.
You are confusing single payer and universal healthcare.
Single payer is basically what you described in the second paragraph. You still have private care, but a public payment. If "you aren't here to make insurance companies money" then you have one option.
Comments
Single payer removes health insurance companies btw.
Keep the insurance option private and affordable for the healthy and employed. Just write a fucking check for the sick and poor. We would save money.
Single payer is basically what you described in the second paragraph. You still have private care, but a public payment. If "you aren't here to make insurance companies money" then you have one option.