Quote:It's the problem with all healthcare insurance.   People are allowed to insure themselves against a healthcare expenditure they could have avoided if they had made better choices.  It drives up the cost of health care and the cost of health insurance for everybody. 

 

Not really true.  People who have never smoked or used tobacco have gotten lung cancer.  I know that personally because we recently buried my godfather who died of the disease even though he was not a smoker.  Catastrophic illness or injury is something "unexpected".

 

Quote:I think the primary driver of high cost is the use for preventative and routine care. If able I would simply hold catastrophic insurance.

 

Bingo.  As I've said many times, people think that "health insurance" is the same as "health care".  The two are not the same at all.  Routine care should be paid for by the patient and a better solution is to allow the patient to have a tax-free health savings account.  Health insurance is supposed to be "catastrophic insurance" for cases of unexpected illness or injury.  It's not supposed to be there to pay for physical exams or routine procedures.

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