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To: Dan3 who wrote (129215)	3/5/2001 9:26:01 PM
From: Road Walker	Read Replies (1) \| Respond to of 186894

Dan, re: "No one wants to pay for full health insurance unless they know or suspect that they are sick - and once you know you are sick, you aren't buying insurance any more, you're just attempting to get a bunch of strangers who aren't sick to share the cost of your medical treatment." Then I suppose only people who are about to have a car accident get auto insurance. Folks that know they are going to have a flood get flood insurance. People who know their house is about to burn down get home owners insurance. The truth is that people have grown to expect health insurance as a part of employment, so that it is now consisdered a right. If the same financial risks were involved in health insurance as they are with the other risk insurances, then people would readily pay for the coverage. re: "Most low risk people know they are low risk people, and elect to not pay big insurance premiums if given the choice. If illness came as a total surprise to all applicants, it might be possible to make it work, but, in general, the applicants know more about themselves than the insurance companies, and will bankrupt any "fair" system." Everbody gets sick, and then dies. It's a given, and it's expense is huge. It will happen to everybody posting on this thread. Not everybody gets in car accidents, or has their house burn down, or flood. Yet they pay those insurance premiums. On one point I'll agree with you. It would be difficult to impossible to eliminate employer paid health insurance. Once you give away a "benefit" as "free", it's hard to sell it. Human nature. I'm just pointing out why our health service system has dug itself into a very deep hole. Nobody is happy, not the insurance companies, not the providers, not the patients. John