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Originally Posted by sunnyatlast
Well, when you sign up for market insurance or public insurance like Medicare, you are always joining a pool of people with varying risks, so that the whole pool pays a person's bills instead of bearing the debt alone.
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That's fine as long as everyone is living a reasonably healthy lifestyle. But with 2/3 of the population overweight and the national health care bill approaching 3 trillion per year, costs, whether public or private, will be more and more difficult to pay.
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The solution if you don't like the others' risky lifestyles is to go self-insured….as in self-pay.
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So far, Medicare is acceptable, but for how long?
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Good luck as a self-insured if you become one of the people who gets lung cancer without ever having smoked a cigarette; or if you end up like my nurse friend who is very health conscious and is almost a teetotaler, who has cirrhosis of the liver and has had to quit her nursing career/income.
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I know, life is risky, so why do so many people add to the risk with unhealthy
lifestyle habits? My point is not to do away with insuring large groups that spread the risk, my point is to live healthier lifestyles so as to reduce to cost overall.