Health Insurance

[cdcox]

Originally Posted by DaKCMan AP

Of course I can absorb the additional cost. I am extremely healthy and take care of myself. If insurance is only going to cover catastrophic events (i.e. major accident or disease) then my premium should be much lower. Yet I pay the same amount as someone who eats crap, doesn't exercise, and has all types of health problems. Then they get coverage for those health problems at 100% because they term it "preventative" which is complete BS. Preventative should mean preventing that condition from occurring, not treating the existing condition with drugs.

You pay more than you should now, in order to able to pay less than $43K per year when you get old. At least that is the way I think it should work. Assuming you live long enough, you will eventually be in a high risk group. You won't want to pay the full actuarial cost of your health insurance then.