
Originally Posted by
rob_s
Disagree.
What is the incentive to stay healthy, when people at least have the perception that there are no repurcussions for their bad choices? now if you want to charge the fatbodies more for their insurance I'm ok with that. Or adopt a model like car insurance where rates increase as "accidents" (or in this case, visits) increase but with discounts for preventative care, then I'm ok with that.
Making people pay their own way makes them responsible for their own destiny. Whether it's insurance companies or the government, the core concept is socialist in nature in that I pay for other people's bad decisions.
I think you need to read up on what insurance is.
You are griping about the current system, which is not insurance, even though it is called that. The current system IS a socialistic forced transfer of wealth.
I explicitly said (in other terms) that the problem was that the current system has been corrupted by government meddling so that it is more a maintenance plan and not an insurance plan.
Insurance is used to cover the unexpected and very expensive oyt of the ordinary occurrence. There should not be any such thing as a "co-pay" and most doctor's appointments should be fee for service that you take care of yourself. The unexpected expensive disaster type thing is what you insure against. Things like huge accidents, cancer, etc.
We don't expect car insurance to pay for oil changes, new tires, etc. Why do we expect "health insurance" to pay for the analogs?
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