Quote:But that's the way insurance works.  If people only purchase insurance for things they are likely to file a claim for, the insurance companies will be bankrupted. 

 

If we're going to pass a law that says insurance companies cannot reject people because of pre-existing conditions, we have to have a mandate so healthy people will also purchase insurance.  Otherwise, only sick people will purchase health insurance. 

 

Isn't that what is already in place but those people would rather pay the penalty than for insurance they can't afford? My brother and his wife never have to go to the doctor as they are never sick enough to go. Like, literally. Of course, they're still in their early 30's and that will change soon enough, but for now they just don't have to go so they pay the penalty. Well, they did until he got a job with the state earlier this year and now they have insurance through his employer. But they were paying the penalty.


 

That's why this whole idea of doing away with the mandate while keeping the part about not rejecting people for pre-existing conditions is bound to fail.  It would bankrupt the insurance companies. 

 

This is already making many companies pull out of exchanges. Blue Cross and Blue Shield is the biggest insurance supplier in NC and they're pulling out of the exchanges because too many sick people being seen and not enough healthy people to pay premiums but never have to use it. It's happening all over the country. 

I guess my thing is forcing people to buy insurance who never have to go to the doctor except on the rarest of occasions. Why should the burden of others medical issues be on them? If the government wants people who can't afford it to have it then they need to reevaluate their medicare and medicaid requirements and guidelines and leave the rest of us and the insurance companies alone.

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