Quote:True. I had to have 2 unexpected surgeries in 14 month plus PT and that caused enough problems with insurance much less without. At that point I guess it would be a thing where you pay for what you need according to your age (younger people don't typically need much) and/or family history (if there is a history of something then that could be a risk and should be considered). 

 

My husbands employer gives us flex credits according to our health and that is overseen by the insurance company. Once a year we have to go in and have our height and weight checked as well as blood drawn for all kinds of panels. According to them, my general overall health is excellent and see my shrink every two months for med maintenance. I am well within the body mass index for my height and weight and exercise regularly. My husband's health is the same outside of asthma and his body mass index in outside the range but not horribly so. So his employer actually gives us credits/helps pay for a portion of our insurance premium. 

 

I wish there could be a system like that instituted into whatever plan the government comes up with so people still have coverage but aren't paying for what they don't need but when it comes time, they have insurance to cover them if something happens. I know it's not that simple but it is basically what I'm getting at.