Quantum Windbag
Gold Member
- May 9, 2010
- 58,308
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man you need to go back and get an education of at least the high school level.
so lets use your car insurance analogy.
so you have car insurance (mandated by the government none the less). and you get in an accident and cause damage. we'll even take your liability case as an example. the damage you cause is $75,000. now youve only had insurance for 1 years at a rate of $50 per month. so you in essence have paid $600 into the insurance pool. now where does the other $74,400 come from? Other peoples premiums!!!!! holy shit, so other people are actually paying for your mistakes. you are correct in one thing, and that is insurance helps spread the risk. now if you have full coverage insurance and you get hurt, then your insurance company will pay out to yourself. same example, if you have had insurance for 1 year and have been paying $50 a month ($600 a year) and get in an accident that is your fault and your medical bills are $200,000. where does that other $199,400 come from? ohhh thats right other people premiums!!!!! amazing, you dont understand how this works.
How does that disprove my assertion that buying insurance is paying another person to assume the risk?
but you are wrong in the way it works behind the scenes. i never said it was a fee based services. i said you pay a fee for "access" to medical services. that fee is called a premium. you fail to understand that somewhere somehow the actual cost for your services is paid for by the pool of money the company bring in through premiums. if an insurance company is paying out more in services than they are getting in premiums they current do 2 things. they drop those who cost too much to insure, or they raise rates to cover those services. regardless, the money that actually pays doctors is from the pool of premiums that everyone pays. hence you pay other peoples services every day of the week. whether you want to admit it or not.
but the again the right isnt big on facts.
Again, a premium is not so you have access to service, your premium is paid to another person so they assume the risk. How the person, or company, deals with that risk is irrelevant, you are not paying them so you can access services. Hence, no one pays anyone for anyone else's services ever. This is the last time I am going to explain this, so feel free to blather your ignorance in assurance that I will not again explain why the sky is blue. Feel free to insist it is orange and declare victory if you like, it won't bother me.