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kane · 10-13-2008, 03:50 PM

What I would most like to see is a health insurance system that allowed everyone to participate. I am self employed and I have asthma. Most health insurance companies will not accept me and those that will will not cover anything asthma related. If I have a regular job with a company I could get insurance no questions asked and they would cover anything.

I understand it to a point. If I actually use the insurance they would lose money on me if they just sold me an individual policy whereas when I am part of a company they have many others that they make money off of to offset the losses they might have on me. I would love to see some kind of system that created a pool where anyone who wanted could buy a policy and get coverage and everyone nationwide that bought a policy was in the same pool. They could even provide it free for those who had no means of paying (say you were laid off or were in school or just got a job and were still on the probation period.) It would allow for everyone that has no coverage now (some 45 million people) to be grouped together and get coverage and it would not cost the government as much as if they tried to provide free health insurance to everyone in the nation.

This is really only touching the problem the health insurance industry has, but it is a start. The real trouble is not those that are not insured. They can get care if they need it. It is those that have coverage and when they need it their claims are denied.

10-13-2008, 03:50 PM
kane Too lazy to set a custom title Join Date: Aug 2001 Location: portland, OR Posts: 20,684	What I would most like to see is a health insurance system that allowed everyone to participate. I am self employed and I have asthma. Most health insurance companies will not accept me and those that will will not cover anything asthma related. If I have a regular job with a company I could get insurance no questions asked and they would cover anything. I understand it to a point. If I actually use the insurance they would lose money on me if they just sold me an individual policy whereas when I am part of a company they have many others that they make money off of to offset the losses they might have on me. I would love to see some kind of system that created a pool where anyone who wanted could buy a policy and get coverage and everyone nationwide that bought a policy was in the same pool. They could even provide it free for those who had no means of paying (say you were laid off or were in school or just got a job and were still on the probation period.) It would allow for everyone that has no coverage now (some 45 million people) to be grouped together and get coverage and it would not cost the government as much as if they tried to provide free health insurance to everyone in the nation. This is really only touching the problem the health insurance industry has, but it is a start. The real trouble is not those that are not insured. They can get care if they need it. It is those that have coverage and when they need it their claims are denied.