@rnmissionrun said in RL Anger:
It's kind of a crapshoot with insurance, really, but.... that's also kind of the idea behind it? Like, that's how the company makes money? It's a shared pool of funds that only works if most people are paying more into it than they're getting back out of it. That's also why it's a fairly shitty way to manage healthcare because sooner or later, pretty much everyone is going to need to use it for something major. Unlike homeowners insurance, where it's unlikely that everyone's house is going to burn down at some point
They're counting on having enough subscribers that don't actually need the health insurance (ie young, healthy people) to balance out the number of people who do actually need it.
Yes, thank you for explaining.... the thing I just said to me?
I'm aware that's what the insurance companies, and yes, the insurance companies who are on the "Obamacare" marketplace, are hoping to get young, healthy people who aren't going to need it much on the insurance plan. Again, that's kind of how insurance works, and the reason behind the mandate/tax penalty for not being insured. That was meant to pool in as many people as possible, including those not inclined to buy insurance because "they don't need it", so as to prevent premiums from skyrocketing as the result of insurance companies now having to cover people they would've outright refused before.
And once again, that's why I think that health insurance -- while necessary for everyone to have because Jesus H. Fucking Christ, the consequences of something going seriously wrong and not having it -- is generally a crappy system for an entire country to depend on. People don't want to pay for it when they think they don't need it, when they do need it they very well might not have it, and even if they do have it, the insurance company exists to generate profit and has a vested interest in refusing to pay for things. Like, that's just not a great system for most of the people involved. And after having gotten sick while I was living in Sweden -- and having to pay out of pocket because I wasn't a legal permanent resident, and thus not in their national healthcare coverage system, which was still cheaper than having the same thing treated here with insurance, and NOT counting my health insurance premiums -- yes. Yes, I agree with @Tinuviel. Y'all need some socialized medicine.