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I find it insane that the US created this monster of a health insurance system, forcing people to purchase their health insurance through their employer. So fa
by thejdude 12y ago
I find it insane that the US created this monster of a health insurance system, forcing people to purchase their health insurance through their employer.
So far, this looks a major PITA for employees, because (correct me if I got this wrong) a new job with a new insurance policy meant that all (chronic) diseases you may have had in the past would not be covered by your new policy.
Now this time there is also a problem that affects the insurance companies - they might not profit from the cured liver (a cured client is a cheaper client), but they'll have to pay for the cure.
Seriously: NOBODY wants to switch insurance every five years. Why not get rid of this stupid requirement and allow people to shop for health insurance on a free market? Your health and your insurance is nobody's business, especially not your employer's.
- zaphar 12y agobecause (correct me if I got this wrong) a new job with a new insurance policy meant that all (chronic) diseases you may have had in the past would not be covered by your new policy. You did get this wrong. By law Insurance companies cannot refuse you coverage for preexisting conditions if you previously had coverage. Just switching plans couldn't lose you that coverage. Also the US does not force people to purchase their health insurance through their employer. You are free to get it elsewhere but usually getting it through your employer works out to be a better deal.
- maxxxxx 12y agoI think that employer based health insurance is the real problem of the US system. It sets up all incentives the wrong way.