[bpjam]

They think that car insurance is the successful model for health insurance. Aside from the huge overcharging in car insurance for most people, the idea is a joke because health ‘insurance’ is really paying for health care - not health ‘emergencies’ which is what car insurance covers. Car insurance doesn’t pay for oil changes, gas fill ups or new tires. If health ‘insurance’ were actual insurance and not just a service plan, ‘insurance’ could be dealth with affordably.

[From many - one.]

Driving is optional. Paying required premiums may force people to do without healthcare because after paying the premiums they won’t be able to pay the copays, deductibles, labs and meds.

Right now, due to Medicare part D, I can’t afford some of the medications I need...the money is going for premiums. None of the programs I could afford covered all my meds.

[MelonFarmerJ]

Car insurance doesn’t pay for oil changes, gas fill ups or new tires.

Amen. California now has 27 health insurance "mandates". This means that insured who have no need to carry insurance for certain conditions (i.e. elders: pregnancy, etc.) must pay for these coverages for others. Example if applied to car insurance: you drive an old beater with no need for collison coverage, your neighbor buys a new Lexus, so the state make you pay both his and your collision premium.

So the missus and I drive beater Fords because we can't afford both the $15,972 per year Blue Shield premium and new car payments.....