As explained, people are sometimes uninsurable because an insurance carrier views them as high risk, or unhealthy enough that their return on investment is either too low or a loss. No for profit business will ever invest in something that is not going bring some sort of profit in return. Therein lies the problem with subjecting the health of people to the market. Sometimes people will simply not be healthy through no fault of their own. We have made a decision, as a society, that these people have less value to society unless they are wealthy enough to afford higher premiums. Sure life isn’t fair and it never will be, but we can certainly afford to spend a little less on guns and a little more to preserve the lives of our people. It is times like this when I am urged to spit “culture of life” back into the talking point machine.
These problems are further exacerbated by the fact that when people get into real financial trouble, they throw the payments on their credit card which until last year was dischargeable under a filing bankruptcy. Similar protections remain in place for corporations which now offer fewer health insurance options for their employees. At least Wal-Mart is willing to help its employees fill out their Medicare applications.
As I have said many times before, I feel one of the main reasons that our country clings so tightly to employer-based insurance plans is that it keeps employees all the more reliant on the concept of employment in general which stifles entrepreneurship, ultimately reducing competition. It may not be an overt strategy but we need only remember that a corporation has no responsibility to anyone but its shareholders and that one responsibility is only to maximize profit.
The rest of us plebians go fuck ourselves.
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