Ray From Cleveland
Diamond Member
- Aug 16, 2015
- 97,215
- 37,440
- 2,290
But if you are so darn sure you are HEALTHY, then why would you buy any health insurance? You are healthy, you don't need it.... right?Why is it wrong to charge an unhealthy person 12 or even 20 times as much for healthcare as a healthy person if he is 12 or 20 times the risk? It is based on risk and potential expenses.
If you're an unhealthy person and you want to pay more for an individual plan than your employer
will charge you, you should definitely do that.
Healthy people should not have to pool their healthcare premiums with unhealthy people. If you are unhealthy, that is not my fault. I should be able to go out and buy cheap, unregulated health insurance and you should have to do the same or not get health insurance. If your premiums are 6,000 a month in a beautiful, free, unregulated market, why is that my problem? It's as bad as Obamacare.
Anyone can get in a car accident or whatnot. It's a risk based assessment and I am low risk, so I should pay less.
If you are a good driver, then you do pay less.