California earthquake insurance?

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But you're demanding that others pay for your health expenses. That's exactly why the young don't bother with insurance. They don't want to pay for you.

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On 5/28/2012 2:01 PM, snipped-for-privacy@att.bizzzzzzzzzzzz wrote: ...

...
Well, that's the definition of an insurance pool; shared risk.
Until they happen to have a problem then we're subsidizing that choice. What goes around comes around...
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...with similar risk profiles.

You're making no sense today.
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On Mon, 28 May 2012 15:01:43 -0400, " snipped-for-privacy@att.bizzzzzzzzzzzz"

I'm not demanding anything. Insurance is a good idea, not a mandate. I don't want the government telling me what to do. Participate if you'd like, Go on your own if you don't. I don't care, just don't ask me to cover you if you don't have any insurance.
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Sure you are. You're demanding that the healthy support the sick, the young support the old, by paying the same premiums for the same coverage. Their risk profiles are nothing like each other.

Some would disagree. ;-)

That's exactly what you're demanding by dictating rates/risks.

But that doesn't square what you said (top of this post).
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On 5/28/2012 6:07 PM, snipped-for-privacy@att.bizzzzzzzzzzzz wrote: ...

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That's the idea of insurance--_SHARED_ risk.
It's no different than those of us w/ grown children still paying real estate taxes to support schools for the younger generation that do have children. Why should we do that?
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It only works if the risk-cost is equal for all in the pool.

Absolutely irrelevant.
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On Mon, 28 May 2012 19:07:19 -0400, " snipped-for-privacy@att.bizzzzzzzzzzzz"

No, that is how insurance works. I'm not demanding anything. I'm voluntarily joining a group of like minded people willing to share the risk. Anyone buying auto, home, health, insurance does that with free will. (maybe not liability required by the state for drivers, but you are not forced to own a car).
Demanding is when the government tell me I have to buy health insurance.
As for risk profiles, I think smokers, obese and other forms of risky lifestyle should pay more. I do pay more than the typical young person.
Don't want to join us? Fine with me, go it alone or with another group.

BS. I don't see how you interpret that.

I don't see it. Just to verify, I translated it from English to two other languages and got the same result.
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You *are* demanding. You're telling others how they have to run their business. You want government to do it.

You want to tell insurance companies, and employers, how to run their business. Same deal.

(see above)

You are some piece of work.

YOu just did it again. Maybe you're illiterate, but now you also want to censor those who disagree.

Evidently you are illiterate.
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On Tue, 29 May 2012 00:09:05 -0400, " snipped-for-privacy@att.bizzzzzzzzzzzz"

Man, you are really F'd up to come up with that idea. No where did I say I wanted government involved. Sorry, but no one can have a real conversation when you make up stuff that was not said. Show me where I said the government should be involved.
Never mind, I'm out of this as you are being irrational.

Wow, incredible. Been drinking?
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If you aren't demanding a change in insurance, what's your point?

Me? You lefties (yes, *you*) will never quit.

What a dumbass statement. You can't think implies that I'm drinking.
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Don't get yourself all tangled up in contradictions. You're on Medicare. So the government is demanding everybody who's working to pay your premium shortfall. Just admit you're a socialist like everybody else in this country is, instead of picking and choosing who's demanding what from whom, to suit your ego. That little bit of Medicare premium that comes out of your SS check doesn't cut it. WTF, $100 a month? My healthy young wife pays almost that each week, and her employer picks up at least as much.. Even adding that supplemental premium, your risk group is underpaying. Hell, it's only covering what the med/insurance industry can't squeeze out of Medicare. I'm on Medicare Advantage, and the government pays the premium to United Health Care. Costs me nothing, but I think I can get hit for $4-5k out of pocket in a year. I'm a gambler. Maybe a socialist. But a hell of a lot less so than the insurers and medics who are getting a lot more government moola than me. Only time I depended on government income was in the Navy. And they got a good deal on that one.
--
Vic

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On Mon, 28 May 2012 23:21:49 -0500, Vic Smith

I'm on MC because the government makes me take it. Yes, they take $100 from my SS check, but I also contribute a lot of money ever year as I have since MC started. I've been paying into that fund for many years paying for other's shortfall.
I participate to comply with the law, but I never said it was a good idea.

True. I never said otherwise, never said it was the best method. When I was on private insurance I was overpaying for the group I now participate in. Maybe it evens out. We'll see.

Costs you nothing? Not really.
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Vic Smith wrote:

Nope. Medicare is a combination annuity-insurance program. Everybody who uses a Medicare benefit paid premiums into the system since 1965.

Yep, but your healthy young wife has been paying premiums - and getting nothing in return - for forty-seven years either.
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wrote:

Nonsense. "Medicare is a national social insurance program, administered by the U.S. federal government." Wiki, but everybody knows it's socialistic. For Pete's sake, Ronald Reagan called it socialism. You don't believe Ronald Reagan? Please don't say "Keep your filthy gov paws off my Medicare."

Just shows how it's socialism. If she didn't work a day in her life, she would still get Medicare because I did work. Even though a single man would pay the same tax as me. Socialistic. Let's say she was always single. She pays a tenth of Medicare taxes than some higher earners. But she'll get the same benefits. Socialistic. More so than SS, another socialist system. As far as I can tell you can go on Medicare if you've been a legal U.S. resident 5 years, even if you never worked. Just have pay a premium of "up to $451." That implies it's income-adjusted. Even at $451, a 65-year-old won't find a match on the private market. Insurance companies would go belly up insuring old people - people can't afford the premium. That's also why Medicare is in dire financial straits - not enough premium paid. It all points to....socialism. Or maybe death panels. If you're on Medicare, you're benefitting from socialized medicine. Voluntarily too - you don't have to go on Medicare, or even stay on it. If you're opposed to Medicare, and just want your money back, you could add up what you paid in, add some compound interest to it, then after Medicare gives that amount back to wealthy medical providers who fix you up, cancel your Medicare and wing it. That would be the "honorable" course for those opposed to socialism. Give you that righteous, "clean" feeling. Otherwise, just be a good socialist and don't bite the hand that feeds you. That's my plan.
--
Vic

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FWIW, governments have long told you what you have to buy if you buy health insurance. The states have long added little trinkets to the minimum policies. Lots of them w/o any medical reason, but plenty of political reason. My favorite being minimum stays for OB brought about by the uproar from so-called drive by deliveries. At least for the first 5 or so years when I was still following this, no studied showed better results for the longer stays. There are a bunch of studies showing that for every $ in increased premiums brought about by mandated coverage, a certain number of people (usually 3-5 depending on the study) lost insurance.
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Kurt Ullman wrote:

Yep. State-mandated coverage for dodgy "treatments" (chiropractic, aroma-therapy, alcohol or drug dependency, yoga, and the like, all increase the premiums for everybody else.
In the state of Maine, there's only ONE state-approved health insurance company (Alabama, I believe, has only two). Coincidentally, fully half of the businesses in Maine state self-insure.
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I only know of one in Alabama.
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My health insurance *is* insurance. It has a ~$1500/yr deductible, then covers 80$ up to an out-of-pocket $5000 (or $6000 out-of-network), then everything else. I don't get reimbursed for every stubbed toe or sniffle. It's "insurance" in that it covers what I can't afford to lose, much like my auto or homeowner's policy.
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Bingo!
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