Quote: I paid cash in the past. Which is what I will have to still do even with insurance. So nothing has changed except I have a monthly bill for nothing. At 5Gs per year I have no idea what this thing is good for. I dont know what inevitable illness is gonna cost so much.
Well, that's fine if you envision a charmed life or you have an extra couple hundred thousand lying around. But what happens if you have an accident, or cancer, or something? I'm not advocating anything here, just saying. I've had a couple accidents in the past decade. One left me out of work for seven months and with about $65,000 in bills, a lot of which I still had to cover.
I am appalled by 'for profit' health insurance, though. Lots of us seem to have forgotten that, for the most part, prior to the 1970s almost all health insurance was not for profit. That's when there weren't co-pays or deductibles, which is how a lot of old timers seem to think it still works because that's what they grew up with.
I work with this stuff every day. I am a 'provider' for most all of them. Whether you like government programs or not, the efficiency of Medicare and Medicaid (2.8 - 3.4 overhead instead of tens times that of for profit companies) is staggering by comparison.
I've also lived an 'active' life and put myself in the receiving end of the health care system more than I like to think about. I just don't believe in relying on good luck.
