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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Why not? What's the point of repeating more than the minimum to keep context (particularly when it appears to be a two-way conversation)?
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What gives them the power to dictate the pools any more so?
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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.
I'm not dictating anything. Don't buy that insurance if you don't like the setup, go elsewhere to get what you want. That is the beauty of a capitalist society.
That is the deal when you sign up. Take it or go elsewhere. Depends on how the pool is determined and what qualifies. My contention the if you CHOOSE to partake in risky behavior, you should be willing to pay more or change your behavior.
The purpose of a pool is to share risk and pay for the problems that happen. None of us choose to come down with a serious disease, but when it happens, we agree to use the funds from premiums to pay for it. Could be you, could be me. We don't know that ahead of time. Once you are in, you are in. Shared risk.
It only works if the risk-cost is equal for all in the pool.
Absolutely irrelevant.
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.
Because it *kills* context.
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I am not. Let the insurance companies be insurance companies. I want fewer regulations, not more. That's why we're in the mess we're in now.
You're telling people how insurance should be run. If you weren't, you'd let them figure it out. Hint: they have, at least where government hasn't stopped them.
...unless you have your way and there is no "elsewhere" because you busybody HOA types have added even more regulations to the insurance industry
The purpose of the pool is to share risk across like risk/premium classes. Insurance companies already know how to do this. They don't need your help figuring it out.
They're leaving Californica because it's an unnatural disaster. Even earthquakes are no match for unfettered Democrats.
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.
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?
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.
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.
Heck, here in Alabamastan we finally got the Democrats out of control of state government after more than 100 years. Heck, politicians are politicians and I don't trust any of them. We have tornadoes that tear the place up on a regular basis but no regular earthquakes. I actually experienced a quake back in the 70's in Tuscaloosa, Alabama when the toilet in my apartment started rocking which made me think the pizza I'd eaten the previous evening was fighting it's way out. It turns out it was an earthquake, a mild one but an earthquake nevertheless. There is an actual fault line a few miles from me here in Birmingham and there was a 5.1 magnitude quake there back in 1916, a lot of chimneys were lost according historical records. The last earthquake was a 1.8 in the North West corner of the state March 9th. Folks there probably thought a big truck drove passed their homes. ^_^
TDD
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.
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.
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.
The same as any other business to conform their prices or their customers to their own liking.
A big reason to leave is taxes. "A total of 48,877 people moved to Texas from California between 2009 and
2010 alone, totaling $1.2 billion in income. Another 28,088 from California relocated to Nevada and 30,663 to Arizona, a loss of $699.1 million and $707.8 million in income respectively."This exodus was second only to New York (NY to Florida).
Yabbut during that same time period, Californiastan gained 248,000 drug lords and gang bangers from Mexico.
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