Insurance should be for catastrophic events. Like your car getting totaled in an accident and needs to be replaced. Or your house burning to the ground and you lose everything. Or you need free female contraceptives as a 85 year old grandmother. Or maternity care as a 65 year old man. Or pediatric care for single man.
Oops. Wait a minute, those last three things are not for catastrophic incidents. They’re for routine medical care. No wonder ObamaCare is so expensive, if the policies are mandated to cover everything under the sun. You don’t expect your car insurance to cover wiper blade replacements or an oil change or a new tire. Or that your homeowners insurance will cover painting the trim next spring or replacing the water heater or getting the toilet fixed. These are routine maintenance things you should be paying for out of your pocket and everybody does. But why do people expect their medical policies to cover everything when it comes to their health? Your medical insurance policy should cover major and expensive events like surgery, long-term illness and life-saving procedures. Not covering that hangnail or a cold or a broken arm.
The government has made ObamaCare more expensive by dictating to the insurance companies that everything, including the kitchen sink, must be covered. Everything that the government does has to somehow be called “comprehensive” for it to work. NOT!
I agree that the government has required stupid things be covered.... but let’s think about it just a little. So Obammy tells BCBS that they have to cover me and my wife for pregnancy. We’re both in our 50’s... and one of us has had all the parts removed and is taking primeran. So if you’re an inurance company... while you may write pregancy coverage in my policy... there is no risk. Risk is what drives coverage cost. I have higher risk because of my age, so my insurance costs me more than a young person. Why should pregnancy coverage cost me anything? Just because its in there?
The same One Size Fits All thinking out of Washington DC applies to all the “Roundabouts’ being put in all across the country.
Here in N Nevada, they are hated.