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Originally Posted by blueash
You're not buying Medicare or don't you know that? If you were paying the cost your premium would be huge, not a few hundred a month. The people paying for your health insurance right now are the workers of the US. And they are paying your premiums for you because, well Socialism. See how you benefit when the government takes money from somebody and gives it to you?
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Didn't everyone pay 3.9% (2.45% employee + 2.45% employer) of their income to cover Medicare? You paid for this "insurance" yourself. And higher earners
already paid more in premiums than lower earners. If I had kept that 3.9% and invested it, I could use that money to more than cover whatever current healthcare premiums would be.
Quote:
Originally Posted by blueash
And now you want to base health insurance premiums on the health and age of the insured. Thank your lucky stars that ACA and Medicare did away with such things.
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Health insurance premiums are
absolutely based on age. Yes, ACA did away with basing premiums on health, but it is debatable whether that was a good thing or not. Pre-existing conditions needed to be eliminated for sure, but why should a non-smoker pay the same as a smoker? Or someone who eats healthy and exercises pay the same as an overweight couch potato? Controllable diseases should be risked out into the premiums IMO, but not things beyond the patient's control.