Quote:
Originally Posted by ASU2003
But the problem is that you are trying to use home or auto insurance style in the healthcare field. Home insurance premiums go down if I live close to a police/fire station, have a new house, and have a smoke detector. There are also a long list of regulations and building codes that standardize things.
The thing is, we are trying to come up with a way to fix the health insurance model without going to socialized healthcare (not that I have a problem with it, if it was done correctly).
And the only way I can see getting a healthier society within the current system is if the profits of the health insurance companies are tied to the health of every person in America. If America is healthy, I have no problem with them making lots of money, if Americans are unhealthy, well then the government should be allowed to fix things and the reserves of the health insurers should go into the red.
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This is where the personal responsibility of the insured comes into play. If you don't take care of yourself you should have to pay higher premiums. Just like your example of incentives given by inurance companies to people who live closer to fire/police stations. Insurance is insurance, they all work exactly the same. You can't seperate health insurance from home owners or auto in the way they work. It just can't be done.