Originally posted by: Xstatic1
Originally posted by: HotChic
I think you're missing the entire point of insurance. Everybody pays into the pool, the people who need it take out of the pool (more than they paid in, that's why you buy health insurance instead of paying for your costs yourself) and the insurance company bets that they come out ahead.
Plus, people who are healthy are not necessarily taking better care of themselves than others, they're just lucky. Those of us with genetic disorders (rheumatoid arthritis for me, as I mentioned above) don't need to be financially punished for our already bad luck.
first off, i had left out a word ("just") in my original posting.
i understand insurance. maybe i should have been more clear that those who work for private employers (not talking about public entities) and are relatively healthy or not utilizing their health care benefits are the ones being
penalized. and that's why i brought up workers getting reimbursed (at the end of the year) a portion of health care premiums if they have healthy bloods test and get their annual physicals and don't utilize let's say $2,000 worth of annual medical expenses.
i've about to make-up some monthly premium amounts. employee-only health care costs $300 monthly; employee + spouse costs $400, employee + family costs $550. for ease, i'll use the employee-only cost of $300 monthly ($3,600 yearly). using my example of $2,000 worth of annual med expenses, if a relatively healthy person who goes in to see their doc twice a year (office visit cost = $100 x 2), and their blood work = $500 x 2=$1,000. total medical expense for that year = $200 + $1000 = $1,200...then wouldn't it be reasonable that the worker be reimbursed a portion of what they paid for the year ($3,600)? i am not saying the full amount ($3,600), but 10..15...20% would be cool.