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Politics : A US National Health Care System? -- Ignore unavailable to you. Want to Upgrade?


To: John Koligman who wrote (3872)1/14/2008 1:05:44 PM
From: TimF  Read Replies (1) | Respond to of 42652
 
They would be happy to do business, they don't want to be charities.

Insurance is pooling risks that on the individual level are uncertain, but generally low in terms of possibility, but high in terms of potential cost.

A lot of people pay in, and the few who are unfortunate get a big chunk of their costs paid.

If you already have a condition, than you can't insure against it this way. Your getting a medical payment plan not an insurance plan. The medical payment plan might be available (and might be called "insurance") but it would be too expensive (it would presumably have to cost at least as much, probably a bit more, than the expected future costs of your condition, it would serve only to smooth out costs, not spread them, or lower them).

Voluntarily paying for someone's medical care when you where not insuring them, and when they aren't paying the cost of a medical payment plan is charity. Involuntarily paying for it is more like theft or extortion.