Quote:
Originally Posted by Rochard
But your rates are increasing no matter what.
I have a friend of mine who has worked for the state government for 17 years. Even though most years she gets a raise, because of the increases in healthcare costs each year she's physically making less.
The entire point of this is to prevent the people who have healthcare - such as yourself - paying for those who don't. This is why the hospitals charge us $40 for two aspirin.
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The whole point of this is to make the collective whole pay for the sick. It's nice but it doesn't make sense. The whole point of getting health insurance is to have it "in case something happens." Responsible people are supposed to make it a priority and get it when their healthy.
Now that health insurance companies are forced to insure everyone, I could see a lot of people signing up after they are sick, hence they contribute no premiums before they are sick but suck down lots of benefits after.
The whole affordability part is lost on me because the healthy are no paying for the sick. I think healthcare got less affordable at least for me. I'm 29 and healthy btw.
It's the healthy paying more for the sick except now there's this weird loophole where it gets more affordable if you're sick and need healthcare. The whole point of contributing in advance to a system that's there when you need it is lost, which is effectively what I thought insurance is. All the years of premiums you pay in advance is what helps pay for yourself when you eventually get sick.