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Old 07-14-2013, 01:28 PM   #200
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Quote:
Originally Posted by chiefzilla1501 View Post
Having worked in private sector insurance, I completely disagree with the premise that people can't afford insurance. The problem isn't they don't think they'll get hurt, so they don't feel like they have to pay for it. The same people who complain about these payments are often the ones buying expensive cell phones, houses they can't afford, etc....

The problem is and continues to be that those who are uninsured can still consume "insured services" like ER and in many cases, they don't pay the full bill. When young people do that, they become freeloaders and everyone who is legitimately paying into the insurance pool suffers. That's a big problem.

Insurance is about spreading risk. Imagine how expensive car insurance would be if you took all the safe drivers out. Why do you think insurnace companies are spending a shitload of advertising dollars to talk about safe driver rewards?
And again, Obamacare does nothing to solve this issue. I do however disagree with you about people being able to afford insurance. The 25-34 year old crowd has a ton of unemployment right now. If you read Velvet's post you can see that the numbers don't add up to support the contention that there is the huge group of 25-34 year olds who can afford insurance and don't buy it and end up a burden on the system.
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