Chronic illness

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Posted: Wed Apr 22, 2009 9:12 pm Post subject:

But the problem is a very healthy person can get very sick or sicker in a drop of a hat because of accidents or catching a illness. Secondly after or when they get sick it is too late to get insurance in most states. And lastly the simple fact is healthy people lacking health insurance makes them high risk. So they should pay the same rates IMO. One question if you believe that healthy people should not pay as much as everyone else do you believe if a healthy person indulges in high risks sports like skiing or hang gliding or jet skiing and mountain climbing etc. should they pay as much as everyone else?

Marbleann

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Joined: 09 Apr 2009
Posts: 26

15.28 Dollars($)

Posted: Wed Apr 22, 2009 9:27 pm Post subject:

Your still missing the point that if it is guaranteed issue, it is never too late to buy coverage. I am not arguing that healthy people shouldn't buy coverage. I'm merely pointing out the fact that guaranteed issue causes its own set of issues.

Quote:

One question if you believe that healthy people should not pay as much as everyone else do you believe if a healthy person indulges in high risks sports like skiing or hang gliding or jet skiing and mountain climbing etc. should they pay as much as everyone else?

I believe that as much as possible, people with low risks should not be subsidizing those with high risk. This means that a healthy 23 year old male who participates in no dangerous activities, but is very active should pay less than a 23 year old healthy female who is 70 pounds overweight, smokes, and is on the U.S. Fatty Helicopter Skiing Team and is trying to get pregnant.

InsuranceExpert

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