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TopicHealth care is NOT health insurance
MariaTaylor
03/15/17 12:21:21 AM
#47:


MrGreenonion posted...

Yeah but if my house burns down I can just move to a new house and get that house insured. I lose the asset of my old house but I can move forward and not have this one incident dragging me down forever.

But if I get cancer, I can't become a new person who never had cancer and get insurance.


health insurance is a bet you take where you wager your own health against financial loss. if you remain healthy then you have a net financial loss. if you get sick then you win the bet, but the payout is money to help cover your health care costs. the fact that not taking the bet and then getting sick REALLY SUCKS and there is no do-over is not an argument for why they should be forced to pay you anyway. it's an argument for why you should get health insurance.

if health insurance providers were forced to give a payout to every single person that did not take the bet just because "if I get cancer I can't un-cancer myself" then no person would ever buy health insurance. they would just wait until they get sick and then make the bet, ensuring them to always get a payout and never have to pay in.

except, whoops, if that were the case then why would anyone bother to start a company that provides health insurance? they would have no way of making any money because no one would ever pay in to their system and they'd be constantly forced to pay for other people's heath care costs that never bothered to buy insurance before getting sick.

it would break the entire system.
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