Quote:
Originally Posted by Mr. Muckit
This may sound kind of dikcish, because we all want people to be treated fairly and for people to be taken care of to the greatest extent possible. But..
regardless of who's 'fault' it is that someone has a pre-existing condition (disease) i don't see how u could expect a health insurance company to not charge someone with a pre-existing condition a higher rate (punish them) than someone who doesn't have that disease....? It will obv cost those insurance companies more money to pay for treatments/medicines/whatever to treat a condition that a doctor has already diagnosed. If they charged everyone the exact same rate, they would essentially be punishing the healthy people.
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Unfortunately we can't start at Day 0, but essentially everyone is healthy at one point. Obviously some infants are born with diseases and problems, but we can even look at the problem from the moment of conception in that sense.
So lets operate with that: everyone is healthy at one point. So, you charge higher rates across the board to offset the costs of the unhealthy. Essentially you could look at it as their prior, healthy self being punished for their future, unhealthy self.
Of course it's not all created equal, some get cancer and some get diabetes and the costs are different. So some are punished unequally, but given that they don't know what they will have when they are being punished, they're really just sharing risk.
The thing is, to create a system like that, you need to pick up the tab for the currently unhealthy people, since we can't go back in history and start from scratch.
I consider picking up the tab on them to get into a system where we can treat people fairly a worthwhile cost. I could see where others would disagree.
As someone in a job field that is primarily contract work without benefits who has allergies, asthma and sleep apnea, I know what it is like to be unable to get decent health insurance at an affordable price, and the stress it can cause is brutal. I wouldn't wish it on anyone else, and that helps shape my views on the subject.