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[Victorumj]

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• (January 12, 2023, 01:18:11 AM)

[ivan]

Wunderkind, insurance isn't for helping the ill. Insurance is for insuring that CEOs are adequately compensated.

[xolik]

I have one thing to post in this thread. 'Pre-existing condition' is a concept I want to see banished.

I fully agree with this.

[Clear_Runway]

Not because I don't want to laugh when kids like Clear_Runway realize they do need insurance but it's too late.

Look, its simple logic. the insurance company has to make a profit, i.e., there must be more money coming in as payments than going out to the insured. Which means that, on average, you will end up spending more on insurance than you would if you just fixed the problem yourself. This applies to all insurance, not just health care. And since I have no "pre-existing conditions", or for that matter health problems of any kind, I think it would be better not to have insurance and risk disaster than have insurance and hamstring my bank account.

[ivan]

Look, its simple logic. the insurance company has to make a profit, i.e., there must be more money coming in as payments than going out to the insured. Which means that, on average, you will end up spending more on insurance than you would if you just fixed the problem yourself. This applies to all insurance, not just health care. And since I have no "pre-existing conditions", or for that matter health problems of any kind, I think it would be better not to have insurance and risk disaster than have insurance and hamstring my bank account.

Well, as long as you can cough up, say, $15K for a broken leg or something, more power to you. Just remember to put away a few hundred dollars every month into an untouchable savings account, or you may be caught short.

Do you think your position might change if you start a family? Or buy a house? Because childbirth costs tons, and real estate assets are commonly liquidated by uninsured people in crises.

[12AX7]

Look, its simple logic. the insurance company has to make a profit, i.e., there must be more money coming in as payments than going out to the insured. Which means that, on average, you will end up spending more on insurance than you would if you just fixed the problem yourself. This applies to all insurance, not just health care. And since I have no "pre-existing conditions", or for that matter health problems of any kind, I think it would be better not to have insurance and risk disaster than have insurance and hamstring my bank account.

  I tend to agree with this; but only when I was young, HEALTHy, single, and childless. Once you marry or have children, it's not about you alone anymore; and a catastrophic incident to you with no insurance would seriously affect anyone dependent on you.

  On the other hand; if no one is dependent on you and your catastrophic incident doesn't place undue burden on someone else (because you have all this ca$h and can pay the bill in full yourself); go for it.

[12AX7]

Do you think your position might change if you start a family? Or buy a house? Because childbirth costs tons, and real estate assets are commonly liquidated by uninsured people in crises.

 ha..  gmta

[Clear_Runway]

I didn't say it was for everyone. just me, for the foreseeable future.

[Joe Sixpack]

I would think that Darwin Award winners are more often uninsured...