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Over a 25 year period that I owned my own business I paid not only for good insurance on each employee but I also paid for workers comp. Basically double insuring each worker. Now retired after paying insurance for 25 years and NEVER having a claim except cold medicine, I have a hard time finding anyone wanting to insure a guy that's 50 years old.
Why, well I'm now in a high risk age catagory. Well no shit! But what about the 25 years I paid when I wasn't? That is the sad thing about "old" people and health coverage. Most HAVE paid for it their entire lives, just never used it.
To get NO credit for the years/decades you have paid is the real crux of the problem for many.
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