My insurance premiums should address MY F***ING HEALTH COSTS! NOT EVERYONE ELSE’S!
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You appear to misunderstand the nature of insurance, which is all about the many (with low usage) paying for the few (with high usage). Like your car insurance.
Your insurance premiums have always paid for others, since the day you started paying the premiums.
“You appear to misunderstand the nature of insurance, which is all about the many (with low usage) paying for the few (with high usage).”
No, you misunderstand insurance. The nature of insurance is to ensure a profit for the insurance company, which is accomplished via careful statistical analysis of individual risk factors and population averages for noteworthy health outcomes.
Insightful actuarial analysis allows insurance plans to be tailored such that the individual purchasing the plan may purchase coverage only for the types of incidents and procedures he feels necessary, while the insurance company may accurately determine the likely ultimate costs of those elements of coverage and charge a sufficient premium to make a profit.
An insurance policy is not designed to subsidize the whole population, only a halfwit or a socialist could come to that conclusion.
The price of an insurance policy is carefully calculated to recoup the average cost of insuring that specific type of individual with those specific elements of coverage, while providing the requisite profit margin for the company to continue to exist and grow. The price of an insurance policy is by no means designed to cover the costs of all health interventions among all people, nor should it, again only a halfwit or a socialist could come to that conclusion.
Insurance CANNOT exist if you force individual policy holders to pay for the risks of the whole population. It is NOT possible. But then apparently insurance is a difficult concept for some.