tag:blogger.com,1999:blog-1213637816867597284.post8531660834443374337..comments2023-04-05T03:59:10.137-07:00Comments on Health Insurance Issues with Dave: Imagine My DisappointmentDave Cunixhttp://www.blogger.com/profile/18356604734843290624noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-1213637816867597284.post-12419125262343344952009-12-24T13:20:35.949-08:002009-12-24T13:20:35.949-08:00Paying the same means that someone pays MORE than ...Paying the same means that someone pays MORE than necessary to cover someone else's risk. That is fine if we, as a nation, accept that responsibility. Sadly, Mr. Brown wanted to lower the female rate to the male rate when convenient. He is not interested in the real numbers, just the one's that SOUND good. The government can always print more money. A business must balance its books.<br />By the way, you would be amazed by how many people blame their medical conditions on their parents. They may have been dealt a bad hand, but they were the ones who chose to play it.<br />The whole purpose of insurance is to pool statistical risks. We can change which factors are relevant. What you can't change is how much is paid out and how much you have to collect to stay in business.Dave Cunixhttps://www.blogger.com/profile/18356604734843290624noreply@blogger.comtag:blogger.com,1999:blog-1213637816867597284.post-87768198560257261802009-12-23T17:27:43.528-08:002009-12-23T17:27:43.528-08:00Well you've got me thinking as usual. Do you t...Well you've got me thinking as usual. Do you think the Senator might be of the opinion that it is time to even the playing field for purchasers of health insurance? What about people with pre-existing conditions or poor genetic profiles? They are bigger risks, but they didn't do anything in many cases to have been dealt this hand. Women also didn't get to choose their gender. So what if everybody pays the same and with the combined premiums the program has sufficient funds to cover everyone?<br /><br />As I think about car insurance also, perhaps it is a little unfair to penalize a particular man because his cohort has a higher risk profile. Charge everybody the same, except if they have an accident that they caused, then raise the premiums. I'd argue that a person has greater control over improving their driving habits than their health issues.<br /><br />Of course, I don't have your background in health insurance and my exploration into a flat premium has no mathematical model to support it.<br /><br />I'm being rhetorical more than anything.Donnahttp://readanygoodbooks.wordpress.comnoreply@blogger.com