NOYB wrote:

"JoeSpareBedroom" wrote in message
...

"NOYB" wrote in message
news
"Harry Krause" wrote in message
...


That means that everyone in the country pays for healthcare through their
taxes, and everyone in the country gets healthcare.

What is wrong with:
"Everyone pays for the health insurance plan that they choose, and
everyone gets healthcare."


There's nothing theoretically wrong with that, except that for a family of
four in NY, the going price is $700 to $1000 per month, and if you're
above a certain income level, there's nothing cheaper. It's $700, or
nothing. You can be above the income level to qualify for the state's
cheaper plan, but still be unable to afford the $700.

The other problem, at least for me, is the math. Let's say you buy health
insurance because you're afraid of having to deal with a worst case
situation, like cancer. Could the bills total a quarter of a million
dollars for that illness? More, maybe? So, I pay $600 per month (single
person) for health coverage to deal with that eventuality - let's call it
a quarter million, even though I don't know if that's accurate. At the
same time, I pay about $100 a month for life insurance with the same
benefit - a quarter million.

What's wrong here?


I'm not an actuary, but I would guess that it's more likely that in the next
10 years you'll get a major illness (or several) than die. Plus, you can
only die once.




So much of the health insurance mess is because of the tiny deductables.
The insurance I had was only $150 a month. It had a 2k deductible. It
protected me from major expenses. To go to a 250 deductible, would hav
cost me $650 a month, so it only too a few months of no claims to be
head of the game. (I also was albe to put 2k into a health savinga account.)