| sethnintendo said: The main problem I see with health insurance is that you can be perfectly healthy but have to pay way more than you should because you have a bunch of obese, diabetics, etc.. that you are grouped in with. I know they want to pool everyone together to "reduce" costs but there simply needs to be way more discounts for the ones that are actually healthy. Good health insurance shouldn't cost more than 50-80 dollars per month for someone that is almost of perfect health. Right now I can only find shit plans for around 120+ a month. Why would I want to waste 120+ a month on a shitty plan (little coverage, high deductible, etc..)? This is why I don't have health insurance. I have dental and vision though because I actually see a benefit in having those plans. |
Here's the problem though: the health insurance company has no idea that you're perfectly healthy, that's why they group you together.
Have you looked into whether you can get a medical savings account? This might prove a far better option in the long term, and having to put up with the shitty insurance while you shore up your savings account. MSAs/HSAs (same thing, just replace "Medical" with "Health") are probably the best way of dealing with healthcare, with a small/cheap insurance plan that just deals with massive emergencies (sudden heart failure, really expensive cancer treatment, that kind of thing).
Unfortunately, the insurance industry has done everything they can to make HSAs look as bad as possible - by getting tax breaks for those who use insurance, creating legal complications, etc. This is why I hate it when people claim the failing of the American health system is that it's private and free market... it really isn't, it's crony capitalism.
