"Chuck Gould" wrote in message
oups.com...
We had a similar situation here in Washington with health insurance. A
few years ago, the state legislature passed a law that said any company
writing health insurance in Washington could not refuse coverage to any
individual. The insurance companies could set the rates to reflect the
risk, of course, but they couldn't actually refuse anybody because they
presented too great a risk. Net result: A lot of insurance companies
just stopped writing health insurance in Washington, period.

Now imagine that the Federal gov't passed the same law about not refusing
coverage to an individual. The insurance companies couldn't just move to
another state to do business. They'd have to find a way to make it work.



After all,
what sort of premiums
can be charged to cover the cost of caring for some of the AIDS
patients who require many thousands of dollars in prescriptions each
month just to delay their certain death?


Every group health insurance policy is already required to accept an
individual despite pre-existing conditions. And it's a federal government
law that sees to that.






It's the same reason that you have trouble buying full coverage
mechanical insurance on a boat these days. Time was that if you blew up
your 5000 hour diesel engines the insurance company would scratch out a
check for $40,000 to offset your "loss". Not typical anymore. The
premiums charged cannot even begin to offset the almost certain "loss"
that every boat will eventually experience. The only reason you can buy
boat insurance from any carrier at any price in FLA is that some boats
will survive a hurricane, and most boats don't have to ride out a
hurricane in a specific location every year.


Good. So spread the risk over an even bigger population.

On Thu, 24 Aug 2006 18:31:10 GMT, "NOYB" wrote:


"Chuck Gould" wrote in message
roups.com...
We had a similar situation here in Washington with health insurance. A
few years ago, the state legislature passed a law that said any company
writing health insurance in Washington could not refuse coverage to any
individual. The insurance companies could set the rates to reflect the
risk, of course, but they couldn't actually refuse anybody because they
presented too great a risk. Net result: A lot of insurance companies
just stopped writing health insurance in Washington, period.

Now imagine that the Federal gov't passed the same law about not refusing
coverage to an individual. The insurance companies couldn't just move to
another state to do business. They'd have to find a way to make it work.



After all,
what sort of premiums
can be charged to cover the cost of caring for some of the AIDS
patients who require many thousands of dollars in prescriptions each
month just to delay their certain death?


Every group health insurance policy is already required to accept an
individual despite pre-existing conditions. And it's a federal government
law that sees to that.






It's the same reason that you have trouble buying full coverage
mechanical insurance on a boat these days. Time was that if you blew up
your 5000 hour diesel engines the insurance company would scratch out a
check for $40,000 to offset your "loss". Not typical anymore. The
premiums charged cannot even begin to offset the almost certain "loss"
that every boat will eventually experience. The only reason you can buy
boat insurance from any carrier at any price in FLA is that some boats
will survive a hurricane, and most boats don't have to ride out a
hurricane in a specific location every year.


Good. So spread the risk over an even bigger population.


A while back one of our beloved group members had a day filled with
misfortune. Someone suggested that maybe the misfortune was just a little
'bad karma'. The person making the suggestion was jumped on by the same
folks who seem glee-filled at the thought that you may have some misfortune
with your home or boat.

Here's hoping everything works out for you, NOYB, even if you *do* post too
much political crap!

I wonder if you could find a farmer somewhere who may store that trailer
for you? Picking up an additional $50 a month, or so, may be something he'd
do for the little room it would take.
--
******************************************
***** Hope your day is great! *****
******************************************

John

"JohnH" wrote in message
...
On Thu, 24 Aug 2006 18:31:10 GMT, "NOYB" wrote:


"Chuck Gould" wrote in message
groups.com...
We had a similar situation here in Washington with health insurance. A
few years ago, the state legislature passed a law that said any company
writing health insurance in Washington could not refuse coverage to any
individual. The insurance companies could set the rates to reflect the
risk, of course, but they couldn't actually refuse anybody because they
presented too great a risk. Net result: A lot of insurance companies
just stopped writing health insurance in Washington, period.

Now imagine that the Federal gov't passed the same law about not refusing
coverage to an individual. The insurance companies couldn't just move to
another state to do business. They'd have to find a way to make it work.



After all,
what sort of premiums
can be charged to cover the cost of caring for some of the AIDS
patients who require many thousands of dollars in prescriptions each
month just to delay their certain death?


Every group health insurance policy is already required to accept an
individual despite pre-existing conditions. And it's a federal government
law that sees to that.






It's the same reason that you have trouble buying full coverage
mechanical insurance on a boat these days. Time was that if you blew up
your 5000 hour diesel engines the insurance company would scratch out a
check for $40,000 to offset your "loss". Not typical anymore. The
premiums charged cannot even begin to offset the almost certain "loss"
that every boat will eventually experience. The only reason you can buy
boat insurance from any carrier at any price in FLA is that some boats
will survive a hurricane, and most boats don't have to ride out a
hurricane in a specific location every year.


Good. So spread the risk over an even bigger population.


A while back one of our beloved group members had a day filled with
misfortune. Someone suggested that maybe the misfortune was just a little
'bad karma'. The person making the suggestion was jumped on by the same
folks who seem glee-filled at the thought that you may have some
misfortune
with your home or boat.

Here's hoping everything works out for you, NOYB, even if you *do* post
too
much political crap!

I wonder if you could find a farmer somewhere who may store that trailer
for you? Picking up an additional $50 a month, or so, may be something
he'd
do for the little room it would take.

As I said before, this thread isn't about me or my predicament. I'm fully
insured, and not worried about any financial hardship any time soon.

Of course there are a bunch of folks here on rec.boats who would love to see
me fall flat on my back once or twice, but unfortunately for them that's not
going to happen.

I started this thread because I thought it would be a good
conversation-starter about how the insurance companies are likely to do more
harm to the boat business than gas prices. Yet, hardly a week goes by
before someone starts a bitching and whining session about how gas prices
are going to kill the boating market.

Of course, those on the left can't figure out how to blame Bush for the
problems with the insurance industry, so they keep whining about gas prices
(as if Bush is somehow responsible for world demand).

What I found most interesting of all is how the liberals who want to
socialize everything, and let the government take care of all of our
problems, were so lacking in sympathy to the plight of millions of
Floridians. It was rec.boat's most liberal forum members who adopted the
"I-got-mine-so-screw-you" mentality.

NOYB wrote:
As I said before, this thread isn't about me or my predicament.

Is that your disclaimer against whining?




I started this thread because I thought it would be a good
conversation-starter about how the insurance companies are likely to do more
harm to the boat business than gas prices.

I don't see it that way, largely because I don't see how you
define "harm to the boat business" and partly because I see
"the boating business" as largely responsible for the mess
it's in. And it's dragged a lot of boaters with it.



.... Yet, hardly a week goes by
before someone starts a bitching and whining session about how gas prices
are going to kill the boating market.


But nobody ever does anything about it, of course. People
still drive their SUVs at 80mph.


Of course, those on the left can't figure out how to blame Bush for the
problems with the insurance industry, so they keep whining about gas prices
(as if Bush is somehow responsible for world demand).


No, but Bush & Cheney are responsible for deliberately
making the U.S. more dependent on oil, thus foreign imports
& Middle East politics, rather than less. So yeah, it's
pretty much his fault.


What I found most interesting of all is how the liberals who want to
socialize everything, and let the government take care of all of our
problems, were so lacking in sympathy to the plight of millions of
Floridians.

Funny you should see it this way. Wealthy boat owners are
not really much of a liberal constituency. And frankly, I
don't have much sympathy myself for people who indulge in
conspicuous consumption just because it's aggressively
marketed to them, and then whine that somebody else should
help them afford what they've become accustomed to.

There are many possible solutions to the problem, at least
one of which can be resolved thru individual fiscal
responsibility .... anybody else think it's comical that a
self-proclaimed 'conservative' didn't think of that?

Regards
Doug King

"NOYB" wrote in message
nk.net...


Of course, those on the left can't figure out how to blame Bush for the
problems with the insurance industry, so they keep whining about gas
prices (as if Bush is somehow responsible for world demand).


George or Jeb?

Eisboch :-)

"Eisboch" wrote in message
...

"NOYB" wrote in message
nk.net...


Of course, those on the left can't figure out how to blame Bush for the
problems with the insurance industry, so they keep whining about gas
prices (as if Bush is somehow responsible for world demand).


George or Jeb?

Eisboch :-)

George now. Jeb in '08 through '16.