Talk of The Villages Florida - View Single Post - Not greedy, selfish or anti medical/health care reform
Thread: Not greedy, selfish or anti medical/health care reform
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Old 10-15-2009, 06:51 AM
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Originally Posted by Yoda View Post
When you say that insurance companies should not have a have a policy of denying pre-existing conditions, you are either uninformed or disingenuous and just trying to justify Socialized Medicine.

The purpose of health insurance is to share the risk. If you had your way, there would be a kiosk in front of every hospital so that you could buy insurance just before you were admitted. Wouldn't that be nice? The problem would be that there would be no insurance companies or the premium would be the cost of the operation plus a little profit. Nobody in their right mind would carry insurance if they could pick it up at the door.
If one maintains a continuity of insurance, pre-existing conditions are rarely a problem. I agree that the system needs some work but don't cut off your nose to spite your face.

Yoda
But if the insurance companies only insure the "healthy" and can cancel a policy when someone gets sick with a major illness then there is NO or little risk sharing.