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View Diary: Sorry, Mr. President, But The Affordable Care Act Did Not Make Insurance a "Right" (103 comments)

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  •  Yes they are. (1+ / 0-)
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    glynis

    Both have premium structures that are designed to pay for all claims.

    In the case of automobiles, if one does not drive then one is presumed never to have an accident that would result in a repair claim. So the premium structure is designed to pay all claims plus some profit for the insurance company. All drivers therefore have to pay premiums.

    In the case of human health, one is presumed to some time or another get sick and require the services of the health care system. So the premium structure is designed to pay all claims plus some profit for the insurance company. All humans therefore have to pay premiums.

    In the case of automobiles, if an unlicensed and/or uninsured person does drive (illegally) and does have an accident that does harm to people and equipment, most insurance companies would have no, or severely limited, obligation to pay anything.

    But in a national health insurance program, that is sponsored by the government, then all persons have to pay premiums. Otherwise an uninsured person who became ill would go to the emergency room and demand attention. Of course, a government program would pay for the freeloaders services, which is very unfair to those who have done the right thing.

    If, as you seem to suggest, a person who is not insured for health care will never get government health care, directly or indirectly, but would get a free service from someone then I guess that would be OK. But we know that the world does not work that way. Someone has to pay and in the case of uninsured sick persons I would have to pay some prorata portion of the cost, which I do not wish to do.

    So, you don't want to pay, and I want you to pay. By refusing to pay and then later seeking free care when you do become sick you are being a freeloader, a hypocrite, and other nasty names I can think of.

    I am a mathematician, a former high school math teacher, and a retired designer of large computer systems for large enterprises including casualty insurance which includes automobile insurance and health insurance.

    The kind of logic mistake you have made here is unfortunately very common, and it does much harm to our society. Politicians take advantage of the lazy, impaired thinking of many people.

    Might and Right are always fighting, in our youth it seems exciting. Right is always nearly winning, Might can hardly keep from grinning. -- Clarence Day

    by hestal on Sun Aug 18, 2013 at 07:46:03 AM PDT

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