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The Water Cooler
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Are we simply broken?
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<blockquote data-quote="WoodsCraft" data-source="post: 3969523" data-attributes="member: 51836"><p>Not sure if you understand the difference between a private group insurer and a pubic social entitlement and why one is OK and the other isn't . </p><p></p><p>Let me break it down for you in abstract terms. </p><p></p><p></p><p>I on my group insurance am not creating a load on the tax payer by paying my premiums and using that care when I need to. Whether or not one of the insured opts to use the coverage they are paying for as a member of that plan is completely moot. No one is being compelled to be a member of the insurance plan and yes that is how private insurance works , the company knows there is a percentage of the insured in the plan who will not use their coverage and there is a percentage who will use it to varying levels. Actuaries game this stuff all the time to figure out how insurance companies are going to make money .</p><p></p><p>When you sign up on Medicaid or Medicare or one of the subsidized public exchange plans, your care is being paid for by tax payer. I as a tax payer have no option but to end up paying to support Willie Weed Smoker or Mary Methhead when they get on the welfare teat after years of bad life choices.</p></blockquote><p></p>
[QUOTE="WoodsCraft, post: 3969523, member: 51836"] Not sure if you understand the difference between a private group insurer and a pubic social entitlement and why one is OK and the other isn't . Let me break it down for you in abstract terms. I on my group insurance am not creating a load on the tax payer by paying my premiums and using that care when I need to. Whether or not one of the insured opts to use the coverage they are paying for as a member of that plan is completely moot. No one is being compelled to be a member of the insurance plan and yes that is how private insurance works , the company knows there is a percentage of the insured in the plan who will not use their coverage and there is a percentage who will use it to varying levels. Actuaries game this stuff all the time to figure out how insurance companies are going to make money . When you sign up on Medicaid or Medicare or one of the subsidized public exchange plans, your care is being paid for by tax payer. I as a tax payer have no option but to end up paying to support Willie Weed Smoker or Mary Methhead when they get on the welfare teat after years of bad life choices. [/QUOTE]
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