NotYourBody
Gold Member
- May 25, 2019
- 2,237
- 492
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I'm not retirement age. Why do you think everyone who is not retired has access to employer sponsored insurance? Oh wait, do you live in a red state?! It's well known that red state Trump nutters are generally uneducated so that might explain why you are puzzled about how insurance works.Many of us don't have access to employer plans. We are on our own. I pay $900 per month just for myself. Not counting the deductible and out of pocket. And that insurance sucks.Deductible are big. And most pay thousands a year even if they don’t get sick. We have a problem. I believe everyone should have access to care. I’m open to how that happens.Something in the middle is much more comfortable to accept.
I don’t think many go broke from pharma, though it’s more expensive than it should be. I think emergency care and surgeries are the real cost drivers.
You'd be surprised. Pharma costs could be as high as $300-400/month and many cannot afford that. Insurance companies also F*CK you when you need long term care for diabetes or cancer. If you get into an auto accident and need major surgery, 99.9% of insurance will cover you minus the deductible.
#1) Yes, they are but some employers offer better plans than others. Most pay for auto insurance and don't get into accidents. That is how insurance works.
#2) Why?
Should most people have access to free plumbing or free food too? Explain the rationale.
Insurance should not be tied to your employer.
Then you're really old and you should be paying more. Just as important, why should I, figuratively speaking since I'm retired, pay for your insurance? I don't make your house payment, or are you in taxpayer-subsidized housing? Why should your health insurance NOT be a part of your monthly budget?
So you are retired? I hope you're not using Medicare. That would mean I am paying for my insurance AND your insurance. And, like you said, old people need A LOT of healthcare. Looks like you are the burden, not me. I pay for my crappy insurance.