For years I have cost my healthcare insurer next to nothing, yet the cost of my coverage is probably the same as thousands of unhealthy, overweight Wisconsinites who rack up enormous yearly healthcare bills. I don't think that's fair.
Do I ever agree.
I first started buying my own health insurance in 1980 (yes, that's right) when I got laid off from a job at the university. I never again had a job with insurance, so I kept that same self-paid policy right up until last year when I qualified for Medicare, It was not cheap, believe me, even though I had the biggest deductible they would write by time I was done.
And I never made a claim against it. I just poured money into that thing more than thirty years, never missing a payment, figuring what if I got run over by a semi.
I suppose it was the right thing to do, in a way, so I wouldn't need public assistance if I got in some wreck. Luck pays a part, for sure, and good genes too. But I work hard at taking care of myself and I'm careful and consistent.
In a way, the only incentive I had to stay healthy was because I hate the medical establishment so much. They've got their place, but on the whole I'll do anything to stay away from them, having seen way too much overtreatment, mistreatment, and plain errors along the way. If I were perfectly rational, I'd probably have adopted a bunch of unhealthy habits just to squeeze a few payments out of American Family before I left their grasp and got on Medicare.
I agree with narco. It doesn't seem fair. Insurance is basically a gamble, and narco and I tilt the tables as much in our own favor as we can. Somehow it seems like the insurance companies ought to acknowledge it and give us a break for not running in every time we sneeze. I don't have a solution except universal single-payer. I'd be glad to send them money to help everybody else, instead of buying the insurance agent a new Lincoln every few years.
I agree about the toll booths, too. Put 'em in.