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re: Question to libs about prexisting conditions and high risk
Posted on 9/21/17 at 12:48 pm to SUB
Posted on 9/21/17 at 12:48 pm to SUB
quote:
In part, yes. And in part, protection from health costs for not so serious illnesses that I may or may not get.
There is nothing in your health insurance contract that indicates that you are paying for good health. It's just not there. I really don't understand where you are going with this.
If you think the methodology should be different then please explain how price setting between one risk and another should be performed differently. I'm sure you could make a ton speaking to actuaries.
What if your cancer is lung cancer due to smoking?
Posted on 9/21/17 at 1:00 pm to roadGator
quote:This is a puzzler. But so many people have based their views of insurance and necessity to pay for their care around emotion rather than objective rational facts... it's somewhat inevitable.
There is nothing in your health insurance contract that indicates that you are paying for good health.
See above. Many people think that the cause of their condition somehow should have a bearing on the price they pay. That's pure emotion. Whether you have a condition due to lifestyle, or the DNA lottery -- the financial costs to the carrier do not change.
But the emotional calculation certainly does. If only we could pay our rent, or buy food with my emotions... we'd all be rich.
This post was edited on 9/21/17 at 1:01 pm
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