Quote:
Originally Posted by Beryana
Actually, because everyone HAS to get insurance there is no reason for the rates to be dropped. Remember insurance companies are business out to make money for their share holders, that's all. Basically supply and demand says there is now a great demand for a product they are selling so they can charge whatever they want for the most part. And adding everyone to the insurance roles means there is actually more risk because there will be no more 'pre-existing condition' clauses. Do you really think that healthy people don't get cancer quickly? I know that around here a 3-week treatment cycle for my mom's breast cancer costs at least $28,000. Or my medical bills from an accidental fall came to over $10,000. Those are all insurance claims from people that would be considered healthy prior to those events. . . .
Tort reforms to allow interstate competition is what would actually bring the insurance premiums down as companies will have to compete for the business and the patients will have a true choice in what insurance they want. Once again we are back to putting the patient at the heart of actual reform.
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What in the world are you talking about?! Rates for insurance are actually controlled by insurance commissions so a lot of what you're saying is patently false. And no...healthy people don't get cancer quickly! What does that even mean? I actually am a mammographer and diagnose cancer all day long. Cancer rates are pretty static. Even with insurance, healthy people are unlikely to seek medical care. They just pay for coverage which defrays the cost of care for people who actually use their coverage. If you don't understand what I am talking about, then you don't know how insurance has been working for the past 50 years. Eliminating the pre-existing condition clause decreases profits and may raise rates, but this will be offset by the vast increased number of customers, most of whom are healthy.
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