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Originally Posted by drego
Now on a different note, another interesting focus should be placed on the insurance companies. I'm not sure if anyone's ever worked with one, but having seen the guts of a company from the inside out, I can easily say that they are crooks, and are making money hand over fist.
For instance, did you know that it is cheaper (from an insurance standpoint) to be Male, Caucasia, AND a heavy smoke (over the age of 25 even) than it is to be female between the ages of 18-36 and in perfect health? Sure there's logic to that, as babies are expensive and those are prime child bearing years, but that still seems a little off to me.
~Drego
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This makes zero sense to me. Absolutely none. Sorry, but women's healthcare is more expensive primarily because they get it more regularly than most men. Childbirth is certainly an added expense, but most women are militant about seing their OB/GYN every year like clockwork.
Men, especially under 40, are much less likely to have regular doctors visits.
If you've seen insurance from the "inside", you know that it's a pure numbers game. If you don't, you weren't paying attention.
If you're male, caucasian and under 25, you pay more for auto insurance than anyone else. Does that seem off to you or does it seem like an acknowledgement of the fact that those guys are much more likely to be in an accident than anyone else? The models are exactly the same, so they have to translate from coverage to the other. And yes, the healthcare models ARE the same as the auto models when it comes to young drivers.