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> Nobody while having a heart-attack stops and thinks about shopping around for a lower price. "hmmm, about to die, let me see if I have any coupons". Well in
by klipt 3y ago
> Nobody while having a heart-attack stops and thinks about shopping around for a lower price. "hmmm, about to die, let me see if I have any coupons".
Well in theory that's the point of insurance. You comparison shop insurance before having a heart attack, then if an attack happens you're covered.
Of course many people just wouldn't buy insurance unless forced ... many breadwinners die leaving their families nothing because they don't think of buying life insurance.
- snarkypig 3y agoAbsolutely, I'm personally super excited about my ability to choose between my single work-provided health insurance that tries to maximize the amount of money they get for a doctor's visit where the doctor doesn't even try to help me. And I agree, we should punish those who don't understand the system. Let them die for their ignorance.
- FrustratedMonky 3y agoIf you get insurance through work, there is zero choice. You are locked into you're companies decisions. You may say, 'well you can opt out', but the deck is really stacked against you trying to go it alone. This is one of the ways that employees are 'locked in' to jobs and become immobilized from seeking better jobs. The insurance is a type of 'capture'.
- klipt 3y agoMaybe employers who offer insurance should be legally required to offer an equivalent value voucher toward buying your own insurance on an exchange.