Smasharoo wrote:
Now you're just repeating campaign rhetoric. That's not true at all. Lassaiz Faire medical insurance markets don't make that kind of decision at all. They charge what the market will bear for their service, and the customers define what that service consists of. If they don't offer an insurance product that satisfies people's needs, then people wont pay for it, and they'll go out of business.
You can't possibly be this fucking stupid. Just as no company is going to insure a car that's already been in a catastrophic accident, no company is going to insure someone who has an expensive illness.
I didn't say they would. You insure against future events, not past ones. Insurance companies should not have to insure against something that happened in the past, and customers should not expect them to. The problem with Obamacare (well, one of many) is that it's effectively requiring them to do this. Which is insane.
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To do so would be idiotic.
Yes, it would be. Which makes you wonder why our government is choosing to force companies to do just that. Then we're all supposed to sit back and wonder why the hell our premiums have just skyrocketed. Duh!
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Hence, the sick people die when they run out of money.
Sick people die even when they have money. Healthy people die randomly all the time. The idea that we can magically make the world a perfect place if only the government can address one issue, is astoundingly arrogant and stupid. If people pay for insurance against major illnesses, then when they get major illness, they will be covered. There is no "running out of money". In the same way that if you pay for life insurance and then die, the insurance pays out. If you don't pay for insurance and die, it doesn't. Trying to force things to work differently is absurd.
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That's the outcome. There's no debate.
No debate on what? Sick people die if they run out of money and *don't* have insurance. Insurance costs are driven up by government forcing companies to provide "comprehensive care". Thus, most people can't afford to insure against the most expensive health care costs because we've flooded the insurance market with money spent paying people to have checkups and spending $500 bandaging up sprained ankles. If we didn't do this, more people would be able to afford major medical insurance, and the insurance companies would have to honor the contracts they've signed requiring them to provide care when those rare and expensive medical problems occur.
Again, the problems aren't caused by the free market here. They're caused by existing government regulation. Responding to those problems with yet more regulation that is basically just doing the same thing is doubling down on stupidity.
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It's not an emotional argument, it's a simple statement of the 100% unavoidable outcome of your assertion. Oddly, insurance companies don't seek clients where they are guaranteed to pay more in claims than they take in from premiums.
Of course they don't. Why do you think they would, or should? This is why we should make it so that if insurance companies want to make money, they need to get customers to buy insurance
before they get sick. And a great start to that would be eliminating all the silly mandates which price insurance so high that most people can't afford that insurance in the first place. I could have sworn I explained this in my last post, but it's like you just ignored it all and repeated the same argument again.
I know that insurance companies don't insure people after the fact. But forcing them to do this doesn't change the reality that this is a really stupid thing to do. Yet, that's exactly what Obamacare does. So... stupid.