- Joined
- Sep 18, 2018
- Messages
- 11,484
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- 5,148
- Location
- PA
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- Male
- Political Leaning
- Libertarian - Left
Before Obamacare, I had private insurance and it was a better policy than Obamacare with cheaper premiums, even with my two pre-existing conditions. After Obamacare we couldn't afford Obamacare premiums and my stay at home wife had to go out and get a job with employer insurance.
The pre-existing conditions deal is more tied to denial of coverage than it is to premiums. The problem with health insurance in general is it is a risk pool and there is no way to ethically penalize someone for getting sick.
You can get sick through absolutely no fault of your own; compared to other "insurance" risks are generally one the client chooses to take on; hurricane prone areas, areas prone to wildfire, etc. Clients understand that choosing to live in an area carries a risk they are willing to mitigate via insurance.
Health insurance removes the choice in most areas and penalizes people, via denials of coverage or increased premiums, due to things the client did not choose. Unless we're discussing obesity or smoking related illness, the vast majority of illness are through no choice motives.
This is why a for profit industry does not work when it comes to HC. The incentive to deny claims at all cost is too high and too great.