Does a liberal have the IQ to understand how Republican capitalist health care.....

[EdwardBaiamonte]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the compnay is free to charge enough to make a profit.

still dodging I see? If some sick person were able to GET health insurance, their premiums would be so exorbitant that they would be better off self insuring.

Why don't you be a man and just admit that your statement that sick people are the best customers for health insurance companies was completely wrong?

Do you have a set down there or not?

I guess it has really been Edwina all along.

nutless.

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

 

[Toronado3800]

still dodging I see? If some sick person were able to GET health insurance, their premiums would be so exorbitant that they would be better off self insuring.

Why don't you be a man and just admit that your statement that sick people are the best customers for health insurance companies was completely wrong?

Do you have a set down there or not?

I guess it has really been Edwina all along.

nutless.

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

Now wait. We are talking free market where my medical history can be taken into account? Or are you talking some strange socialist system where only age matters?

 

[expatriate]

still dodging I see? If some sick person were able to GET health insurance, their premiums would be so exorbitant that they would be better off self insuring.

Why don't you be a man and just admit that your statement that sick people are the best customers for health insurance companies was completely wrong?

Do you have a set down there or not?

I guess it has really been Edwina all along.

nutless.

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

are sick people the best customers for health care insurance providers or aren't they?

 

[expatriate]

I guess it has really been Edwina all along.

nutless.

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

are sick people the best customers for health care insurance providers or aren't they?

Edwina.... it really is a simple question: do you understand how insurance companies utilize a risk pool or don't you? Do you really think that an insurance company prices their policies to make a profit on every customer, or not? Do you honestly think that sick people are the best customers for health insurance companies or are you ready to admit you don't know shit from fat meat about how that industry really operates?

 

[Greenbeard]

Edwina.... it really is a simple question: do you understand how insurance companies utilize a risk pool or don't you?

Of course he doesn't.

 

[expatriate]

Edwina.... it really is a simple question: do you understand how insurance companies utilize a risk pool or don't you?

Of course he doesn't.

I think it is really hilarious that a guy who starts a thread insulting liberals about their supposed lack of IQ can spend the entire thread stepping on his own dick showing how STOOPID he is about the subject.


Merry Christmas Edwina!

 

[EdwardBaiamonte]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

 

[Toronado3800]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

Got it. So if someone has cancer and is up for renewal the free market lets the insurance company charge them $80k for that year.

 

[EdwardBaiamonte]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

Got it. So if someone has cancer and is up for renewal the free market lets the insurance company charge them $80k for that year.

depends on what the contract says, of course. The company that makes the lowest margin will have the lowest prices and the most customers-right?

 

[Toronado3800]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

Got it. So if someone has cancer and is up for renewal the free market lets the insurance company charge them $80k for that year.

depends on what the contract says, of course. The company that makes the lowest margin will have the lowest prices and the most customers-right?

Contract puts it up for renewal every year and yup, the company which gets it stuck to them the least by cancer patients will be able to charge the least.

 

[EdwardBaiamonte]

the company which gets it stuck to them the least by cancer patients will be able to charge the least.

and??????????????????????????????????

 

[Toronado3800]

the company which gets it stuck to them the least by cancer patients will be able to charge the least.

and??????????????????????????????????

We are finding middle ground.

Now what if I am diagnosed with cancer in November and renewals are up in December. Suddenly I have become a $80k liability. Should the insurance company charge me $80,001 or whatever they need to turn a profit?

 

[expatriate]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

So... is it your assertion that actuaries design rates for each customer of health insurance companies so that every customer generates a profit for the company? yes or no?

 

[EdwardBaiamonte]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

So... is it your assertion that actuaries design rates for each customer of health insurance companies so that every customer generates a profit for the company? yes or no?

yes of course, this is why older people pay more than younger people!! Profit per person will depend on whether the health care costs turn out to be higher or lower than actuarially expected for that person.

These are elementary concepts that as a liberal you lack the IQ to understand. Sorry

 

[expatriate]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

So... is it your assertion that actuaries design rates for each customer of health insurance companies so that every customer generates a profit for the company? yes or no?

yes of course, this is why older people pay more than younger people!! Profit per person will depend on whether the health care costs turn out to be higher or lower than actuarially expected for that person.

These are elementary concepts that as a liberal you lack the IQ to understand. Sorry

again... your complete and utter lack of understanding of how risk pool economics allow insurance companies to operate is laughable.

You talk about IQ a lot. What, might I ask, is YOUR IQ. I cannot imagine, that if it IS triple digits, that the second digit is any greater than a '2'.

 

[Toronado3800]

it doesn't matter how sick someone is or how sick someone is likely to be since actuaries tell you what you must charge in each case to make a profit.

similiarly, it doesnt matter what options you want on your car as long as the company is free to charge enough to make a profit.

So... is it your assertion that actuaries design rates for each customer of health insurance companies so that every customer generates a profit for the company? yes or no?

yes of course, this is why older people pay more than younger people!! Profit per person will depend on whether the health care costs turn out to be higher or lower than actuarially expected for that person.

These are elementary concepts that as a liberal you lack the IQ to understand. Sorry

We were talking about assigned risk for individuals not just groups. So you believe in that, charging for the individual's risk? It does insure profit and involve the least regulation.

Be nice Edward. I know you had a rough day, we all have rough days. No one here is calling you names.

 

[EdwardBaiamonte]

We were talking about assigned risk for individuals not just groups.

to stupid he asked about individual profit

So you believe in that, charging for the individual's risk?

yes dear even Obamacare allows that

It does insure profit and involve the least regulation.

yes it does, and????????????

Be nice Edward. I know you had a rough day, we all have rough days. No one here is calling you names.

but why would they??? Am i a liberal?????????????? Conservatives did not spy for Stalin or elect a president who voted to the left of Bernie sanders?????????

 

[expatriate]

We were talking about assigned risk for individuals not just groups.

to stupid he asked about individual profit

So you believe in that, charging for the individual's risk?

yes dear even Obamacare allows that

It does insure profit and involve the least regulation.

yes it does, and????????????

Be nice Edward. I know you had a rough day, we all have rough days. No one here is calling you names.

but why would they??? Am i a liberal?????????????? Conservatives did not spy for Stalin or elect a president who voted to the left of Bernie sanders?????????

again... your understanding of risk pooling is negligible.

 

[EdwardBaiamonte]

again... your understanding of risk pooling is negligible.

of course if true you would not be so afraid to say why.
What does your fear tell you??

 

[expatriate]

again... your understanding of risk pooling is negligible.

of course if true you would not be so afraid to say why.
What does your fear tell you??

health insurance LOVE healthy customers and they abhor sick ones. Healthy ones, they can charge health insurance rates that are extremely high , given the fact that they are reasonably certain, due to an understanding of the concept of pooling risk, that they will collect all of those health insurance premiums from healthy customers month after month year after year, and hardly ever have to give them a dime's worth of coverage... because they are healthy! The sick people that they insure - the ones that you claimed were their "best customers" - are a drain on their profit margin and, as soon as they can dump them at renewal time, they do.

It is clear, that you don't begin to comprehend pooled risk, and, as such, you should probably not be showcasing your less than average IQ on a subject that you know precious little about.

Really Edwina... I'd chop off thirty points from my IQ and still best yours by double digits. You are just about as stupid and arrogant a poster from either side of the political spectrum as I have ever seen... not exactly the position one should place themselves if they are actually trying to carry on an intelligent discussion.