For clarification, I hate insurance of all kind but believe it's a necessary evil that could be adjusted.
All of the countries not in grey disagree on the "necessary" part: Clicky
That doesn't contradict my statement. I'm referring to the concept of insurance, not particularly in one instance. Not everyone has to participate in insurance to make it necessary. There just has to be a source of money available. That source can easily come from a percentage of the population and not 100% of the population. This is why I argued if a person is likely to use it, then that person needs to pay as well. Since health affects everyone, then everyone should be putting money into the pot.
Right, so you don't understand how insurance works.
I put my foot in my mouth and I'm too stubborn to admit it
This isn't charity. Insurance companies are out to make money just like every other business in the world and they make their money from people who don't use the insurance company's money. They do not make money from people who are constantly in the hospital, wrecking vehicles, losing phones, etc. I'm sorry if you believe otherwise, but that's reality.
Car insurance protects you from other people and from yourself to a certain extent. I agree that it's a necessary evil. However, it's still affordable for most people, ie the vast majority of people who drive. I pay about $70 a month, for a $1000 deductible to replace my car if it gets totaled. I'm not sure of the other logistics, but I'm pretty sure the rest is just bare bones what my state requires, plus free towing and road side assistance.
My point is that the amount of money you spent in insurance doesn't play a factor in your replacement. That can be good or bad, but more likely bad than good. If you just got a car and only paid one months insurance, then you come out on top. If you've been paying insurance for years with no accidents, you having to pay $200 for a fender bender is no bueno.
I strongly disagree with the idea that health insurance is a necessary evil. Health insurance helps increase the cost of health care, and it is a complete and utter waste of money. I wish we just had single payer health care already. Obamacare is a step in the right direction, but it's not anywhere near where we should be.
It's not exactly the same but It's the same concept. As of today (assuming my assumption is accurate), I fully support Obamacare based off the concept that it is a "necessary evil". As I said, most people don't want to overlook a person having a stroke because they are not insured; however, individuals not dumping their money into the insurance pot, makes it worse on others who pay. As an individual, you should have the choice not to have dental check ups, prostate check ups, breast exams or go to the doctor for anything and be comfortable with dying on the side of the road. We don't live in that type of society. If you get hurt, someone will treat you and the expenses have to be paid. Edited, Jul 1st 2012 4:47am by Almalieque Edited, Jul 1st 2012 6:10am by Almalieque Edited, Jul 1st 2012 6:18am by Almalieque