I'm sorry you have personal problems. BUT, INSURANCE IS A BUSINESS. If you go to Vegas, they will not give you the money to lose.
Our social system is broken enough. BUT, there are ways to get the MEDICAL HELP without paying an insurance company.
Would you sell a car to someone knowing you had to buy him gas for the rest of his life? I doubt it, yet the insurance companies are told they must pay a million dollar claim when they only get $300 a month. That is not a good bizness policy, though it sounds good from a socialist point of view.
Why should I be forced to pay for what others use. Insurance is supposed to be based on actuarial tables. That means some get sick, and others don't. The insurance companies make charts and tables to show what the ANTICIPATED costs will be, THEN set prices accordingly.I'm neither, but I buy the drugs that are prescribed to keep me going.
Insurance is a profitable business. That is what bizness does, if done properly. The companies pay out a lot of money for things that should never be covered. AIDS is a classic example, since it is usually the result of homosexual sex. (Of course, they are a "protected class" that can freely move around the world spreading their "joy". Then, they expect to be provided with remediation in order to continue their perversion.
When my first child was born, I paid the doctor in cash. He delivered our son for $400, when insurance companies paid a lot more. He understood our situation.
I think all medical care would be cheaper if the insurance companies went away! It's one of those "personal responsibility" things. With insurance, everybody overuses the system for little things, and then wonder why their premiums continue to rise.
Exactly and the way insurance works is on the basis of shared risks. I paid health care premiums for many years and never collected anything because I wasn't ill. No one chooses illness, if you get sick and have to use it, then you're bet that having it instead of not having it paid off. If you paid for years and never have to use it, then your "bet" didn't pay off, but you have good health.
Same with auto insurance...shared risks. Say you may get hit by a drunk uninsured driver, through no fault of your own...should your insurance company drop you or raise your rates when you didn't cause the accident, yet you sustained injuries, they had to pay out and they had to replace your car. Of course not.
Well illness, unfortunately, is getting hit by a drunk driver...you didn't see it coming, you didn't want it to happen, but now you have to file insurance claims. Shared risks is how they make their money, they're hedging their bets that you won't get hit, or with health insurance that you won't get sick.
I totally disagree with Obamacare that lets you get insurance after you've become sick, that just bad policy. But to have it, then have to use it, and then be expected to pay more because you had to use it, just isn't how insurance works unless say in the case of auto insurance, if the accident was your fault. Or in the case of house insurance, if you choose to live in an area that is more likely to incur damages, then your rates should be higher. I know about that, live near the Florida coast :)